What Equity Prime Mortgage does

Equity Prime Mortgage (EPM) is a privately held wholesale mortgage lender founded in 2008 and headquartered at 5 Concourse Parkway in Atlanta, Georgia. The company funds and originates residential mortgage products — Conventional, FHA, VA, USDA, and Non-QM — exclusively through independent mortgage brokers and brokerages, positioning itself as an "all-in-one" wholesale partner. It also operates a correspondent lending channel that purchases closed loans from other lenders, and provides ongoing loan servicing. EPM is registered as Equity Prime Mortgage, LLC (NMLS #21116) and holds an Equal Housing Lender designation, with licensing across multiple U.S. states spanning the Southeast, Mid-Atlantic, West, Midwest, and South regions.

EPM's platform is built around broker enablement tools, including the Empower 24/7 marketing dashboard, the TPO (Third Party Originator) Portal, the Empower Brokers program, and the Arive platform for loan management. The company markets a proprietary Hybrid Closing Process as a speed differentiator ("close your file in minutes, not hours") and integrates third-party services through premiere partnerships with Class Valuation (appraisal ordering) and Concourse Land Transfer (title services). Revenue is generated through transaction-based origination fees and gain-on-sale margins on funded loans, recurring servicing fees, and correspondent loan acquisition margins. Customer acquisition leverages an inside sales team, corporate memberships in industry associations (AIME, MBA, NAHREP, NAMMBA, NAMB, BAC), and the annual TAG ("The American Gift") flagship event hosted by EPM for the broker community.

The company operates with 251–500 employees under a leadership team that includes founder and CEO Eddy G. Perez, Chief People Officer Eric Skates, Chief Strategy Officer Jason C. Frazier, Chief Growth Officer Laura J. Brandao, Chief Financial Officer Majed A. Qminacci, VP of Sales Adam Catmull, and Chief of Staff Shalanda Dixon. EPM is independently owned with no disclosed venture capital, private equity backing, parent company, subsidiaries, or public listing, and the source data contains no disclosed funding rounds, acquisitions, or financial statements.

Name

Equity Prime Mortgage

Legal name

Equity Prime Mortgage, LLC

Website

https://epm.net

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Equity Prime Mortgage is a privately held wholesale mortgage lender founded in 2008 and headquartered in Atlanta, Georgia. It funds residential mortgages — Conventional, FHA, VA, USDA, and Non-QM — exclusively through independent mortgage brokers across multiple U.S. states.

Ownership category

akta.pro rank

Product category

Wholesale Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Prime (Agency/Conforming) Mortgage Servicing (FSALAEAA)

Keywords

• Wholesale mortgage lending
• Mortgage origination services
• Correspondent lending
• Loan servicing
• Broker partner platform

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Wholesale Mortgage Origination: Provides mortgage products to independent mortgage brokers who originate loans on behalf of borrowers. EPM funds the loans and earns origination fees and margin on each transaction.
2. Correspondent Lending: Purchase of closed loans from correspondent lenders, expanding distribution network and generating revenue through loan acquisition and subsequent sale or securitization.
3. Loan Servicing: Ongoing servicing of mortgage loans in portfolio, generating servicing fees over the life of loans.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Equity Prime Mortgage is a wholesale mortgage lender that funds and closes residential mortgage loans originated by independent mortgage brokers and correspondent lenders. Its core offering is a full suite of mortgage products (Conventional, FHA, FHA Streamline, VA, USDA, Non-QM, and EPMX) delivered alongside broker enablement tools, rate lock services, correspondent lending, and loan servicing.

Product overview

Equity Prime Mortgage (EPM) operates as a wholesale mortgage lender offering an all-in-one partnership platform. The core offering includes the Empower suite (Empower 24/7 dashboard and Empower Brokers platform) for partner management and business growth. The product portfolio spans multiple mortgage products including EPMX (wholesale product), USDA loans, VA loans, and FHA Streamline refinances. Additional platform capabilities include TPO Portal for third-party originator management, Arive platform, Correspondent Lending services, Lock Desk for rate locking, Loan Servicing, and Reporting tools. The company also markets a Hybrid Closing Process designed to accelerate loan closings.

Differentiator

Problem solved

Functional benefit

Products and services

• Wholesale Mortgage Origination Wholesale funding and closing of residential mortgage loans originated by independent mortgage brokers across multiple U.S. states, with EPM earning origination fees and margin per transaction.
• Correspondent Lending Purchase of closed loans from correspondent lenders who close in their own name, expanding EPM's distribution network and generating revenue through loan acquisition and subsequent sale or securitization.
• Loan Servicing Ongoing servicing of mortgage loans in EPM's portfolio, generating servicing fees over the life of the loans, with payment capability via the EPM servicing portal.
• Conventional Mortgage Loans Conventional conforming and non-conforming residential mortgage products offered to broker partners for any borrower scenario.
• FHA Loans Federal Housing Administration-insured mortgage products for eligible borrowers, offered through EPM's wholesale broker channel.
• FHA Streamline Refinance Streamlined FHA refinance product for existing FHA borrowers, offered through EPM's wholesale broker channel.
• VA Loans Veterans Affairs mortgage products for eligible military borrowers, offered through EPM's wholesale broker channel.
• USDA Loans USDA rural development mortgage products for eligible rural-area borrowers, offered through EPM's wholesale broker channel.
• Non-QM Loans Non-Qualified Mortgage products for borrowers who do not fit standard QM guidelines, offered through EPM's wholesale broker channel.
• EPMX Flagship wholesale mortgage product offering for partner brokers, featured as a key product banner on the EPM homepage.
• Lock Desk (Rate Lock Service) Rate lock service that enables broker partners to lock loan interest rates for their clients through EPM.
• TPO Portal Third Party Originator portal that enables mortgage brokers and loan originators to submit, track, and manage loans with EPM.
• Empower 24/7 Marketing Dashboard 24/7 marketing dashboard that enables partner brokers to access marketing materials, create accounts, and manage their mortgage business operations.
• Empower Brokers

Quantifiable outcome

• Fast processing and closing times reported by broker partners - testimonials cite 'processing times' and 'close in minutes not hours'

Named customers9 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Class ValuationcoreTechnology or IntegrationClass Valuation is a tech-driven real estate valuation company offering fast, accurate appraisal solutions for lenders and appraisers using digital tools and automation. EPM partners with them for appraisal ordering through their platform, enabling brokers to order appraisals seamlessly within the loan process.
• Concourse Land TransfercoreTechnology or IntegrationConcourse Land Transfer offers a full array of title solutions customized to fit needs and timelines. Their fast turn times allow brokers to close on time. EPM integrates them into the loan process for title services, enabling all-in-one lender experience.

Recent moves6 records

Expansion highlights5 records

Direct peers

• United Wholesale Mortgage: Largest U.S. wholesale mortgage lender, offering conventional, government, and non-QM products exclusively through the broker channel. Directly competes with EPM for the same independent broker relationships with substantially greater scale and technology investment.
• Homepoint: Wholesale and correspondent mortgage lender serving independent brokers across the U.S. with full agency product suite and broker-focused technology. Direct competitor to EPM in broker relationships and correspondent purchasing.
• Caliber Home Loans: Large multi-channel residential mortgage lender with a significant wholesale broker channel and correspondent lending operations. Directly comparable to EPM in product breadth, broker focus, and correspondent purchasing activity.
• Angel Oak Mortgage Solutions: Wholesale and correspondent non-QM and agency mortgage lender focused on broker and banker partners. Comparable to EPM as a mid-size wholesale lender with non-QM specialization and broker-channel focus.
• Plaza Home Mortgage: Wholesale and correspondent mortgage lender offering agency and non-QM products to brokers nationwide. Directly comparable mid-size peer with similar product breadth and broker-channel focus as EPM.
• NewRez: National mortgage lender with wholesale, retail, and correspondent channels, offering conventional, government, and specialty products to broker partners. Overlaps directly with EPM's wholesale offering and correspondent purchasing business.
• Rocket Pro TPO: Wholesale division of Rocket Mortgage, the largest U.S. mortgage lender, focused exclusively on serving independent mortgage brokers. Competes head-to-head with EPM for broker-partner relationships across agency and non-QM product lines.
• PennyMac Loan Services: Large correspondent and wholesale mortgage platform focused heavily on loan purchases and broker channel relationships. Comparable to EPM in correspondent lending operations and broker-servicing infrastructure.
• loanDepot Wholesale (LDWholesale): Wholesale lending division of loanDepot, providing agency and non-QM products to independent mortgage brokers. Directly competes with EPM in the wholesale channel with similar product positioning and broker relationship model.

Others

• Arive: Mortgage broker technology platform that EPM partners with for partner engagement and loan management. Comparable as an enabling technology layer in the wholesale mortgage broker ecosystem rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/epmortgages
• YouTubeyoutube.com/c/EPMplus
• Facebookfacebook.com/epmortgages
• LinkedInlinkedin.com/company/epmortgages
• Instagraminstagram.com/epmortgages

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Equity Prime Mortgage