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The Equitable Mortgage Corporation

Independent Mortgage Company•Cleveland, OHHQ•Direct•Reviews near you on Google

We analyzed every closed loan from The Equitable Mortgage Corporation — 666 loans across 927 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA loans

Explore another lender or local market

Report Card

The Equitable Mortgage Corporation performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+18.2 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
570 loans · 0.19% above market
Strong
Top 40% of lenders
4/5
FHA
64 loans · 0.38% above market
Strong
Top 40% of lenders
4/5
VA
29 loans · 0.36% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
575 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
Refinance
91 loans · 0.24% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume570
Mix85.6%
Spread
+0.186%Above
Fees
$1,604Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume64
Mix9.6%
Spread
+0.384%Above
Fees
$1,827Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume29
Mix4.4%
Spread
-0.361%Below
Fees
$1,450Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume575
Mix86.3%
Spread
+0.173%Above
Fees
$1,715Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume91
Mix13.7%
Spread
+0.238%Above
Fees
$1,080Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
666
Applications
927
Volume
$202 million
Pricing & Closing
Avg Rate Spread
+0.182%
vs. market APOR
Avg Net Fees
$1,625
Origination − Credits
Pullthrough Rate
71.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$303,393
Avg Borrower Income
$141,694
Avg Property Value
$394,670

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

8Full-year 2024 · HMDA
8 states with loan originations
Loans originated
< 100100+None
Midwest3
INMIOH
South5
FLKYNCSCTX

Top Metro Areas by Place Specialization Score

1© 归零者 · CC BY-SA 4.0
Columbus, OHMetro
Volume 419Mix 62.91% of portfolio
90/100
Exceptional
2© Eric Friedebach · CC BY 3.0
Cape Coral, FLMetro
Volume 36Mix 5.41% of portfolio
59/100
Sound
3© John Siegenthaler · CC BY-SA 3.0
Mansfield, OHMetro
Volume 14Mix 2.10% of portfolio
48/100
Sound
4© Warren LeMay from Cincinnati, OH, United States · CC0
Cincinnati, OHMetro
Volume 18Mix 2.70% of portfolio
48/100
Sound
5© Rino Landa · CC BY-SA 4.0
North Port, FLMetro
Volume 15Mix 2.25% of portfolio
47/100
Sound
6© w_lemay · CC BY-SA 2.0
Akron, OHMetro
Volume 13Mix 1.95% of portfolio
46/100
Sound

Top States by Place Specialization Score

Ohio
Ohio
1
OhioState
Volume 570Mix 85.59% of portfolio
82/100
Exceptional
Florida
Florida
2
FloridaState
Volume 74Mix 11.11% of portfolio
55/100
Sound

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
Champion(80%+ = 40-50 points)
Superstar
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.