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We analyzed every closed loan from Equity Prime Mortgage — 9.4k loans across 16k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · USDA
Place
Strong
National · 49 mkts
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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
Explore another lender or local market
Report Card
Equity Prime Mortgage LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +81.2 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Industry Standard Top 60% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 20% of lenders | |
USDA | Market Leader Top 5% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 687 | 7.3% | +0.690%Above | $3,473Fees | ||||
FHA Loans | 6,491 | 69.4% | +0.991%Above | $3,711Fees | ||||
VA Loans | 1,604 | 17.1% | +0.202%Above | $3,073Fees | ||||
USDA Loans | 569 | 6.1% | +0.522%Above | $2,033Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 7,152 | 76.5% | +0.898%Above | $3,390Fees | ||||
Refinance | 2,202 | 23.5% | +0.455%Above | $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
49
States Served
49
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
HuntingtonMSA
Volume: 107Mix: 1.14%of portfolio
Place
Strong2
Atlanta, GAMSA
Volume: 338Mix: 3.61%of portfolio
Place
Strong3
Houston, TXMSA
Volume: 316Mix: 3.38%of portfolio
Place
Strong4
Fort Worth, TXMSA
Volume: 171Mix: 1.83%of portfolio
Place
Strong5
Riverside, CAMSA
Volume: 260Mix: 2.78%of portfolio
Place
Strong6
Laredo, TX, TXMSA
Volume: 49Mix: 0.52%of portfolio
Place
Strong7
Phoenix, AZMSA
Volume: 269Mix: 2.88%of portfolio
Place
Strong8
Dallas, TXMSA
Volume: 209Mix: 2.23%of portfolio
Place
Strong9
Jacksonville, FL, FLMSA
Volume: 128Mix: 1.37%of portfolio
Place
Strong10
Lakeland, FLMSA
Volume: 90Mix: 0.96%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 1,273Mix: 13.61%of portfolio
Place
Strong2
FLState
Volume: 1,270Mix: 13.58%of portfolio
Place
Strong3
GAState
Volume: 627Mix: 6.70%of portfolio
Place
Strong4
LAState
Volume: 377Mix: 4.03%of portfolio
Place
Strong5
CAState
Volume: 823Mix: 8.80%of portfolio
Place
Strong6
KYState
Volume: 248Mix: 2.65%of portfolio
Place
Strong7
AZState
Volume: 400Mix: 4.28%of portfolio
Place
Strong8
TNState
Volume: 334Mix: 3.57%of portfolio
Place
Strong9
PAState
Volume: 353Mix: 3.77%of portfolio
Place
Strong10
SCState
Volume: 196Mix: 2.10%of portfolio
Place
StrongShowing 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.