Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Equity Prime Mortgage LLC: 2025 mortgage rates, costs & approvals

How Equity Prime Mortgage LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: Equity Prime Mortgage LLC · LEI 549300K4ZLGS7SRDTL86

In 2025, Equity Prime Mortgage LLC originated 10,683 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 54th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.875% (all lenders: 6.625%); its median rate spread was 48 basis points above the national median. Median conventional loan costs were $9,180, 65% higher than the national median ($5,570).

It denied 15.7% of completed home-purchase applications (all lenders: 8.5%).

Loans
10,683
of 13,527 applications
Denial rate
15.7%
Purchase · all 8.5%
30-yr fixed rate
6.875%
Conv. · all 6.625%
Loan costs
$9,180
Conv. · all $5,570
Loan amount
$265,000
Purchase · all $335,000
Borrower income
$92,000
Purchase · all $116,000

How Equity Prime Mortgage LLC priced home-purchase loans

Purchase loans, 2025Equity Prime Mortgage LLCAll lenders
30-year fixed rate · conventional6.875%6.625%
30-year fixed rate · FHA6.625%6.250%
30-year fixed rate · VA6.750%6.125%
15-year fixed rate · conventional—5.875%
Rate spread vs. APOR · conventional+0.61 pts+0.13 pts
Total loan costs · conventional$9,180$5,570
Total loan costs · FHA$11,630$11,310
Total loan costs · VA$8,590$6,490
Origination charges (all types)$3,010$1,860
Borrowers paying discount points65.4%51.3%
Points paid, when paid (% of loan)0.90%0.87%
Borrowers receiving lender credits35.2%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 3.7% 397
FHA 56.9% 6,080
VA 31.3% 3,347
USDA 8.0% 859

By purpose

Home purchase 54.9% 5,860
Refinance 7.8% 833
Cash-out refinance 37.3% 3,990
Home value
$275,000
Median, purchase loans
Down payment
3.5%
All lenders 10%
Refi rate
6.125%
30-yr fixed, conventional
Refi denial rate
17.1%
Cash-out 27.2%

Why Equity Prime Mortgage LLC denied purchase applications

Debt-to-income ratio 31.9% 350
Credit history 26.9% 295
Other 22.1% 243
Unverifiable information 5.5% 60
Employment history 4.6% 51
Insufficient cash (down payment/closing costs) 3.9% 43
Collateral (appraisal/property) 2.8% 31
Credit application incomplete 2.2% 24
Mortgage insurance denied 0.1% 1

First reason the lender reported for each denied home-purchase application.

Where Equity Prime Mortgage LLC lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Florida1,1111,43217.7%7.000%$8,150
California1,0291,26314.8%6.625%$12,080
Texas8941,09516.6%6.875%$9,360
Georgia66286819.5%——
Louisiana49158912.7%——
North Carolina42653911.8%——
Ohio41552111.4%——
Pennsylvania40552010.9%——
Arizona40351717.1%——
Tennessee40248811.1%——
Illinois32339015.9%——
Indiana3173719.9%——
Michigan31543524.6%——
Virginia29840718.4%——
Alabama29838316.6%——
Kentucky2512907.7%——
South Carolina25034224.1%——
New Jersey22730123.8%——
Maryland20327523.2%——
Missouri18521911.0%——
Colorado14419317.1%——
Oklahoma13618619.8%——
Minnesota11013510.0%——
Arkansas10813410.0%——
Kansas1081228.2%——
Mississippi10713625.3%——
Washington9913018.2%——
Nevada8810810.6%——
Utah8810713.3%——
West Virginia88976.2%——
Wisconsin8511014.3%——
New York8311317.6%——
Oregon8310310.9%——
Connecticut669424.2%——
New Mexico586911.5%——
Massachusetts486721.4%——
Idaho4561———
Delaware3754———
Iowa3448———
Nebraska2633———
Maine2532———
New Hampshire2124———
South Dakota2027———
Montana2026———
Wyoming1218———
Rhode Island1115———
Alaska913———
North Dakota810———
District of Columbia69———
Hawaii55———
Vermont03———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Equity Prime Mortgage LLC's page for that state.

Counties where Equity Prime Mortgage LLC is a top lender

Check Equity Prime Mortgage LLC yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology