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%).
How Equity Prime Mortgage LLC priced home-purchase loans
| Purchase loans, 2025 | Equity Prime Mortgage LLC | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.875% | 6.625% |
| 30-year fixed rate · FHA | 6.625% | 6.250% |
| 30-year fixed rate · VA | 6.750% | 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 points | 65.4% | 51.3% |
| Points paid, when paid (% of loan) | 0.90% | 0.87% |
| Borrowers receiving lender credits | 35.2% | 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
By purpose
Why Equity Prime Mortgage LLC denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Equity Prime Mortgage LLC lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Florida | 1,111 | 1,432 | 17.7% | 7.000% | $8,150 |
| California | 1,029 | 1,263 | 14.8% | 6.625% | $12,080 |
| Texas | 894 | 1,095 | 16.6% | 6.875% | $9,360 |
| Georgia | 662 | 868 | 19.5% | — | — |
| Louisiana | 491 | 589 | 12.7% | — | — |
| North Carolina | 426 | 539 | 11.8% | — | — |
| Ohio | 415 | 521 | 11.4% | — | — |
| Pennsylvania | 405 | 520 | 10.9% | — | — |
| Arizona | 403 | 517 | 17.1% | — | — |
| Tennessee | 402 | 488 | 11.1% | — | — |
| Illinois | 323 | 390 | 15.9% | — | — |
| Indiana | 317 | 371 | 9.9% | — | — |
| Michigan | 315 | 435 | 24.6% | — | — |
| Virginia | 298 | 407 | 18.4% | — | — |
| Alabama | 298 | 383 | 16.6% | — | — |
| Kentucky | 251 | 290 | 7.7% | — | — |
| South Carolina | 250 | 342 | 24.1% | — | — |
| New Jersey | 227 | 301 | 23.8% | — | — |
| Maryland | 203 | 275 | 23.2% | — | — |
| Missouri | 185 | 219 | 11.0% | — | — |
| Colorado | 144 | 193 | 17.1% | — | — |
| Oklahoma | 136 | 186 | 19.8% | — | — |
| Minnesota | 110 | 135 | 10.0% | — | — |
| Arkansas | 108 | 134 | 10.0% | — | — |
| Kansas | 108 | 122 | 8.2% | — | — |
| Mississippi | 107 | 136 | 25.3% | — | — |
| Washington | 99 | 130 | 18.2% | — | — |
| Nevada | 88 | 108 | 10.6% | — | — |
| Utah | 88 | 107 | 13.3% | — | — |
| West Virginia | 88 | 97 | 6.2% | — | — |
| Wisconsin | 85 | 110 | 14.3% | — | — |
| New York | 83 | 113 | 17.6% | — | — |
| Oregon | 83 | 103 | 10.9% | — | — |
| Connecticut | 66 | 94 | 24.2% | — | — |
| New Mexico | 58 | 69 | 11.5% | — | — |
| Massachusetts | 48 | 67 | 21.4% | — | — |
| Idaho | 45 | 61 | — | — | — |
| Delaware | 37 | 54 | — | — | — |
| Iowa | 34 | 48 | — | — | — |
| Nebraska | 26 | 33 | — | — | — |
| Maine | 25 | 32 | — | — | — |
| New Hampshire | 21 | 24 | — | — | — |
| South Dakota | 20 | 27 | — | — | — |
| Montana | 20 | 26 | — | — | — |
| Wyoming | 12 | 18 | — | — | — |
| Rhode Island | 11 | 15 | — | — | — |
| Alaska | 9 | 13 | — | — | — |
| North Dakota | 8 | 10 | — | — | — |
| District of Columbia | 6 | 9 | — | — | — |
| Hawaii | 5 | 5 | — | — | — |
| Vermont | 0 | 3 | — | — | — |
*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
| County | Rank | Loans | Market share |
|---|---|---|---|
| Yoakum County, TX | 1 | 7 | 14.3% |
| Hardin County, TN | 1 | 36 | 11.1% |
| Chambers County, AL | 2 | 26 | 7.8% |
| Morgan County, KY | 3 | 3 | 7.1% |
| Greenup County, KY | 5 | 28 | 6.8% |
| Texas County, OK | 4 | 10 | 6.4% |
| Elliott County, KY | 9 | 1 | 6.3% |
| Boyd County, KY | 5 | 33 | 5.9% |
| Trego County, KS | 7 | 1 | 5.9% |
| Fallon County, MT | 6 | 1 | 5.9% |
| Gilliam County, OR | 9 | 1 | 5.9% |
| Atkinson County, GA | 7 | 1 | 5.6% |
| St. John the Baptist Parish, LA | 4 | 16 | 5.3% |
| Jenkins County, GA | 8 | 2 | 5.3% |
| Dolores County, CO | 7 | 1 | 5.3% |
Check Equity Prime Mortgage LLC yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300K4ZLGS7SRDTL86.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Equity Prime Mortgage LLC with similar 2025 loans.
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