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Equity Prime Mortgage LLC
Independent Mortgage Company|Atlanta, GA|National
Loans Originated
9,354
Applications
16,152
Volume
$2 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.812%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,519
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
57.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 81 basis points above market average
Report Card
Equity Prime Mortgage LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | National · 50 metro areas · 49 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$301,625
Average Borrower Income
$108,181
Average Property Value
$345,335
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Acceptable | 687 | 7.3% | +0.690% | $3,473 |
FHA Loans | Sound | Exceptional | Acceptable | Strong | 6,491 | 69.4% | +0.991% | $3,711 |
VA Loans | Sound | Exceptional | Acceptable | Sound | 1,604 | 17.1% | +0.202% | $3,073 |
USDA Loans | Sound | Exceptional | Acceptable | Strong | 569 | 6.1% | +0.522% | $2,033 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Exceptional | Mediocre | Sound | 7,152 | 76.5% | +0.898% | $3,390 |
Refinance | Sound | Strong | Acceptable | Sound | 2,202 | 23.5% | +0.455% | $4,052 |
Geographic Coverage
Metro Areas
49
States Served
49
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
HuntingtonMSA
Volume: 107Mix: 1.14%
Place Specialization
Strong
2
Atlanta, GAMSA
Volume: 338Mix: 3.61%
Place Specialization
Strong
3
Houston, TXMSA
Volume: 316Mix: 3.38%
Place Specialization
Strong
4
Fort Worth, TXMSA
Volume: 171Mix: 1.83%
Place Specialization
Strong
5
Riverside, CAMSA
Volume: 260Mix: 2.78%
Place Specialization
Strong
6
Laredo, TX, TXMSA
Volume: 49Mix: 0.52%
Place Specialization
Strong
7
Phoenix, AZMSA
Volume: 269Mix: 2.88%
Place Specialization
Strong
8
Dallas, TXMSA
Volume: 209Mix: 2.23%
Place Specialization
Strong
9
Jacksonville, FL, FLMSA
Volume: 128Mix: 1.37%
Place Specialization
Strong
10
Lakeland, FLMSA
Volume: 90Mix: 0.96%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 1,273Mix: 13.61%
Place Specialization
Strong
2
FLState
Volume: 1,270Mix: 13.58%
Place Specialization
Strong
3
GAState
Volume: 627Mix: 6.70%
Place Specialization
Strong
4
LAState
Volume: 377Mix: 4.03%
Place Specialization
Strong
5
CAState
Volume: 823Mix: 8.80%
Place Specialization
Strong
6
KYState
Volume: 248Mix: 2.65%
Place Specialization
Strong
7
AZState
Volume: 400Mix: 4.28%
Place Specialization
Strong
8
TNState
Volume: 334Mix: 3.57%
Place Specialization
Strong
9
PAState
Volume: 353Mix: 3.77%
Place Specialization
Strong
10
SCState
Volume: 196Mix: 2.10%
Place Specialization
Strong
Showing 10 of 43 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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