What loan types does Equity Prime Mortgage offer?

Equity Prime Mortgage offers the following mortgage loan types: FHA, Conventional, VA, usda. Each product has its own pricing score and performance metrics.

Where does Equity Prime Mortgage offer mortgages?

Equity Prime Mortgage is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Equity Prime Mortgage's mortgage rates?

Equity Prime Mortgage has an overall pricing score of 20.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Equity Prime Mortgage?

Equity Prime Mortgage is a Independent Mortgage Company headquartered in Atlanta, GA.

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Equity Prime Mortgage

Independent Mortgage Company•Atlanta, GAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Equity Prime Mortgage — 9.4k loans across 16k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · USDA

Place

Strong

4/5

National · 49 mkts

Awards

USDA

Superstar

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

Explore another lender or local market

Report Card

Equity Prime Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+81.2 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

USDA

Exceptional

Top 5% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

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%Above	$3,473Fees
FHA Loans	Sound	Exceptional	Acceptable	Strong	6,491	69.4%	+0.991%Above	$3,711Fees
VA Loans	Sound	Exceptional	Acceptable	Sound	1,604	17.1%	+0.202%Above	$3,073Fees
USDA Loans	Strong	Exceptional	Acceptable	Strong	569	6.1%	+0.522%Above	$2,033Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Acceptable

Volume687

Mix7.3%

Spread

+0.690%Above

Fees

$3,473Fees

FHA Loans

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume6,491

Mix69.4%

Spread

+0.991%Above

Fees

$3,711Fees

VA Loans

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Sound

Volume1,604

Mix17.1%

Spread

+0.202%Above

Fees

$3,073Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume569

Mix6.1%

Spread

+0.522%Above

Fees

$2,033Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Exceptional	Mediocre	Sound	7,152	76.5%	+0.898%Above	$3,390Fees
Refinance	Sound	Strong	Acceptable	Sound	2,202	23.5%	+0.455%Above	$4,052Fees

Purchase

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Sound

Volume7,152

Mix76.5%

Spread

+0.898%Above

Fees

$3,390Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume2,202

Mix23.5%

Spread

+0.455%Above

Fees

$4,052Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

9,354

Applications

16,152

Volume

$2 billion

Pricing & Closing

Avg Rate Spread

+0.812%

vs. market APOR

Avg Net Fees

$3,519

Origination − Credits

Pullthrough Rate

57.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$301,625

Avg Borrower Income

$108,181

Avg Property Value

$345,335

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast9

CTMEMANHNJNYPARIVT

Midwest12

IAILINKSMIMNMONDNEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West11

AZCACOIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© DelanoPatterson · CC0

HuntingtonMetro

Volume 107Mix 1.14% of portfolio

77/100

Strong

2© Warren LeMay from Cincinnati, OH, United States · CC0

Atlanta, GAMetro

Volume 338Mix 3.61% of portfolio

74/100

Strong

3© David Daniel Turner · CC BY 4.0

Houston, TXMetro

Volume 316Mix 3.38% of portfolio

71/100

Strong

4© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0

Fort Worth, TXMetro

Volume 171Mix 1.83% of portfolio

71/100

Strong

5© Johnwayne Stroud · CC BY-SA 3.0

Riverside, CAMetro

Volume 260Mix 2.78% of portfolio

71/100

Strong

Laredo, TXMetro

Volume 49Mix 0.52% of portfolio

70/100

Strong

Phoenix, AZMetro

Volume 269Mix 2.88% of portfolio

69/100

Strong

Dallas, TXMetro

Volume 209Mix 2.23% of portfolio

68/100

Strong

Jacksonville, FLMetro

Volume 128Mix 1.37% of portfolio

67/100

Strong

Lakeland, FLMetro

Volume 90Mix 0.96% of portfolio

67/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

TexasState

Volume 1,273Mix 13.61% of portfolio

79/100

Strong

FloridaState

Volume 1,270Mix 13.58% of portfolio

77/100

Strong

GeorgiaState

Volume 627Mix 6.70% of portfolio

76/100

Strong

LouisianaState

Volume 377Mix 4.03% of portfolio

75/100

Strong

CaliforniaState

Volume 823Mix 8.80% of portfolio

72/100

Strong

KentuckyState

Volume 248Mix 2.65% of portfolio

72/100

Strong

ArizonaState

Volume 400Mix 4.28% of portfolio

72/100

Strong

TennesseeState

Volume 334Mix 3.57% of portfolio

71/100

Strong

PennsylvaniaState

Volume 353Mix 3.77% of portfolio

71/100

Strong

South CarolinaState

Volume 196Mix 2.10% of portfolio

68/100

Strong

Showing 10 of 43 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.