Emet Lending Group at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
99th0.0% deniedPricingmedian rate spread over APOR, weight 30%
13th0.62 ptsProcesswithdrawn + incomplete share, weight 15%
89th7.6%Closing coststotal loan costs ÷ loan amount, weight 10%
59th2.10% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,286 | 1,070 | 0.0% | 0.0% | 7.38% | $630M |
| 2024 | 2,455 | 1,973 | 0.0% | 0.0% | 7.25% | $1.2B |
| 2025 | 2,025 | 1,364 | 0.0% | 0.0% | 7.00% | $784M |
What Emet Lending Group lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 435 investment properties.
Who gets approved at Emet Lending Group
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 103 | 58 | 0.0% |
| $50k – $100k | 219 | 169 | 0.0% |
| $100k – $150k | 434 | 316 | 0.0% |
| $150k – $250k | 567 | 388 | 0.0% |
| Over $250k | 599 | 368 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 54 | 41 | 0.0% |
| 25–34 | 338 | 227 | 0.0% |
| 35–44 | 658 | 449 | 0.0% |
| 45–54 | 521 | 342 | 0.0% |
| 55–64 | 315 | 215 | 0.0% |
| 65–74 | 113 | 69 | 0.0% |
| Over 74 | 24 | 19 | 0.0% |
Where Emet Lending Group lends
16 states and 154 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 1,264 | 758 | 0.0% | 7.00% | #147 |
| Texas | 283 | 212 | 0.0% | 6.88% | #347 |
| Virginia | 207 | 184 | 0.0% | 6.88% | #202 |
| Maryland | 110 | 89 | 0.0% | 7.13% | #219 |
| Georgia | 64 | 59 | 0.0% | 6.88% | #411 |
| Florida | 31 | 15 | 0.0% | 7.38% | #685 |
| Nevada | 17 | 11 | 0.0% | 6.38% | #287 |
| Colorado | 13 | 11 | 0.0% | 6.75% | #470 |
| Washington | 11 | 5 | 0.0% | 7.38% | #446 |
| North Carolina | 7 | 6 | 0.0% | 7.44% | #689 |
| Arizona | 6 | 4 | 0.0% | 7.00% | #589 |
Frequently asked questions
Emet Lending Group denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 99th percentile of mid-size mortgage lenders.
The median interest rate on loans Emet Lending Group originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was 0.62 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 64% of its applications were for home purchases, 36% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 98% conventional, 2% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.