Emet Lending Group
We analyzed every closed loan from Emet Lending Group — 1.8k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 17 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Things to Think About
- Rates typically 92 basis points above market average
- Higher than average fees ($4,922)
Explore another lender or local market
Report Card
Emet Lending Group performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+91.8 bps above market avg
1/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
1,597 loans · 0.92% above market
Strong
Top 40% of lenders
4/5
FHA
25 loans · 0.64% above market
Acceptable
Bottom 40% of lenders
2/5
Jumbo
187 loans · 1.02% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,477 loans · 0.92% above market
Strong
Top 40% of lenders
4/5
Refinance
332 loans · 0.88% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 17 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,597 | 88.3% | +0.917%Above | $5,098Fees | ||||
FHA Loans | 25 | 1.4% | +0.638%Above | $3,858Fees | ||||
Jumbo Loans | 187 | 10.3% | +1.020%Above | $2,943Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume1,597
Mix88.3%
Spread
+0.917%Above
Fees
$5,098Fees
FHA Loans
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughSound
Volume25
Mix1.4%
Spread
+0.638%Above
Fees
$3,858Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume187
Mix10.3%
Spread
+1.020%Above
Fees
$2,943Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,477 | 81.6% | +0.924%Above | $5,159Fees | ||||
Refinance | 332 | 18.4% | +0.883%Above | $3,647Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume1,477
Mix81.6%
Spread
+0.924%Above
Fees
$5,159Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume332
Mix18.4%
Spread
+0.883%Above
Fees
$3,647Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,809
Applications
2,172
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.918%
vs. market APOR
Avg Net Fees
$4,922
Origination − Credits
Pullthrough Rate
83.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$642,839
Avg Borrower Income
$311,463
Avg Property Value
$965,879
Geographic Coverage
Geographic Performance
Metro Areas
17
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
14Full-year 2024 · HMDALoans originated
< 2020–100100–200200+None
South9
DCFLGAMDNCSCTNTXVA
West5
AZCACONVWA
Top Metro Areas by Place Specialization Score
Showing 10 of 17 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.