Equity Prime Mortgage
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
Promptness
Not enough data
—/5
No quote responses measured yet
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
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
687 loans · 0.69% above market
Sound
Top 60% of lenders
3/5
FHA
6,491 loans · 0.99% above market
Exceptional
Top 20% of lenders
5/5
VA
1,604 loans · 0.20% above market
Exceptional
Top 20% of lenders
5/5
USDA
569 loans · 0.52% above market
Exceptional
Top 5% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
7,152 loans · 0.90% above market
Exceptional
Top 20% of lenders
5/5
Refinance
2,202 loans · 0.46% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders
4/5
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 |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume687
Mix7.3%
Spread
+0.690%Above
Fees
$3,473Fees
FHA Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume6,491
Mix69.4%
Spread
+0.991%Above
Fees
$3,711Fees
VA Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughSound
Volume1,604
Mix17.1%
Spread
+0.202%Above
Fees
$3,073Fees
USDA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
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 | 7,152 | 76.5% | +0.898%Above | $3,390Fees | ||||
Refinance | 2,202 | 23.5% | +0.455%Above | $4,052Fees |
Purchase
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughSound
Volume7,152
Mix76.5%
Spread
+0.898%Above
Fees
$3,390Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
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
49
markets with activity
States Served
49
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
49Full-year 2024 · HMDALoans originated
< 5050–100100–200200+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West11
AZCACOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
4© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 171Mix 1.83% of portfolio
71/100
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 43 states
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.