Name

Emet Mortgage

Legal name

Emet Lending Group, Inc.

Website

https://emetmortgage.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Residential mortgage lending
• Non-QM mortgage products
• Alternative documentation loans
• Broker origination services
• Investment property financing

Headquarters

HQ city

Brea

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination: Emet Mortgage originates mortgage loans including Full Docs, Ultimate Alt Doc Pro, Investor Pro, and Closed End Second products. Revenue is generated through origination fees, interest rate margins, and loan sale proceeds.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Emet Mortgage is a residential mortgage lender that originates and services home loans through a broker-origination model. It offers four core products — Full Docs, Ultimate Alt Doc Pro, Investor Pro, and Closed End Second — and partners with independent mortgage brokers who source loans while Emet handles underwriting, funding, and servicing. The company also serves borrowers directly through branch offices in California, Georgia, and Virginia.

Product overview

Emet Mortgage is a mortgage lending company that operates a platform offering multiple specialized loan products designed for brokers and originators. The product portfolio includes Full Docs (standard documentation mortgage), Ultimate Alt Doc Pro (alternative documentation product), Investor Pro (investment property financing), and Closed End Second (secondary mortgage). The company functions on a broker-origination model where brokers originate loans and Emet Mortgage handles the remainder of the lending process including underwriting, funding, and loan servicing. The products share consistent underwriting standards aimed at providing predictable approvals along with competitive rates.

Differentiator

Problem solved

Functional benefit

Brands

• Full Docs: Full documentation mortgage product for traditional income verification.
• Ultimate Alt Doc Pro
• Investor Pro
• Closed End Second

Products and services

• Full Docs A mortgage product requiring full documentation verification, providing consistent and predictable approvals with standard underwriting processes. Designed for borrowers with traditional W-2 income and standard documentation.
• Ultimate Alt Doc Pro A mortgage product designed for borrowers with alternative documentation, offering flexible verification options to maximize loan potential. Targeted at self-employed and non-traditional income borrowers.
• Investor Pro A specialized mortgage product tailored for real estate investors, providing competitive rates and underwriting standards for investment property financing.
• Closed End Second A second mortgage product providing closed-end financing options for borrowers seeking additional capital beyond their primary mortgage.
• Broker Application Program A broker partnership program allowing approved mortgage brokers to originate loans under Emet Mortgage's platform; brokers originate the loans and Emet Mortgage handles underwriting, funding, and servicing.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Fannie MaecoreOthersEmet Mortgage operates as an approved lender with Fannie Mae, indicated by their standard loan product offerings that conform to conventional lending guidelines.
• Freddie MaccoreOthersFreddie Mac Seller/Servicer #173330 - Emet Mortgage is an approved Freddie Mac seller/servicer, enabling them to sell loans to Freddie Mac and service mortgages in their portfolio.
• First Horizon BankminorOthersFirst Horizon Bank serves as Emet Mortgage's banking partner for wire transfers. Bank Name: First Horizon Bank, ABA: 084000026, Account number: 220006738214, Account name: Emet Lending Group.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Caliber Home Loans: Mid-to-large residential mortgage banker with correspondent and broker channels as well as retail. Competes with Emet across product categories including non-QM and investor-focused offerings.
• United Wholesale Mortgage (UWM): The largest wholesale mortgage lender in the U.S., serving exclusively through mortgage brokers. UWM is the dominant competitor in Emet's primary channel and operates a similar broker-origination, lender-funded model at vastly greater scale.
• NewRez (Rithm Capital): Wholesale and correspondent mortgage lender with a full conventional, government, and non-QM product set distributed through broker partners, overlapping directly with Emet's broker channel and alt-doc focus.
• loanDepot Wholesale: Wholesale lending division of loanDepot, originating non-QM, conventional, and government loans through a broker network with a product breadth that overlaps Emet's Full Docs and alt-doc offerings.
• Rocket Pro TPO (Rocket Mortgage wholesale division): Wholesale broker channel of Rocket Mortgage, one of the largest U.S. mortgage originators. Competes with Emet directly for broker-originated loan volume across conventional and government products.

Direct peers

• Plaza Home Mortgage: Privately held wholesale and retail mortgage banker offering conventional, government, jumbo, and non-QM products through a broker partner network, similar to Emet's wholesale-driven origination strategy.
• Angel Oak Mortgage Solutions: Wholesale non-QM mortgage lender targeting self-employed borrowers and real estate investors through broker partners, with a product strategy that closely mirrors Emet's Alt Doc Pro and Investor Pro offerings.
• Verus Mortgage Capital: Wholesale non-QM and investor-focused mortgage lender operating through a broker partner network. Highly comparable to Emet in its specialization in alternative documentation and investment property financing.
• PRMG (Paramount Residential Mortgage Group): Privately held residential mortgage banker with comparable multi-state wholesale and retail operations and a product mix including conventional, government, and non-QM. Closest comparable to Emet in size, channel strategy, and product breadth.
• Kind Lending: Privately held non-QM and wholesale mortgage lender with a similar focus on alternative documentation and investor products. Closely comparable to Emet's alt-doc and investor product positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/emet-mortgage

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 Emet Mortgage