Equity Loans NMLS #21116
At a glance
- HeadquartersAtlanta, GA
- Size12,087 home loans closed in 2025
- Loan typesFHA, VA, USDA and Conventional
- Formed in2008
2025 figures are for Equity Prime Mortgage LLC's filing.
What it closes
Share of its 2025 home loans: 58% FHA, 30% VA, 8% USDA and 4% Conventional.
Ask Hope Anything About Mortgage & Home Equity!
Hope could not take that just now. Your question is still in the box.
Hope is AI and can make mistakes. Please double-check responses. About Hope * Advertising Disclosure
Who is Equity Loans?
Equity Loans (NMLS #21116) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerEquity Loans
- NMLS #21116
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
Compare current mortgage rates · Mortgage calculator · All lender profiles
About Equity Loans
Overview
Equity Loans is a mortgage company that works with mortgage brokers on residential loan programs. Its broker-focused model includes support for loan scenarios and partner relationships tied to mortgage origination.
Mortgage options
Mortgage options include FHA, VA, and USDA loans.
Locations
Equity Loans has 16 branches in Arizona, Delaware, Florida, Georgia, Hawaii, Massachusetts, Maryland, Missouri, New Jersey, Nevada, Rhode Island, and South Carolina.
Company details and licensing
The legal entity is Equity Prime Mortgage LLC, a Georgia limited liability company formed on February 27, 2008. Trade names include Equity Loans LLC, Equity Prime Mortgage, and Lighthouse Lending Capital.
The company is headquartered at 5 Concourse Parkway, Suite 2250, Atlanta, Georgia 30328. Its NMLS company ID is 21116. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #21116 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asEquity Prime Mortgage LLC
- Equity Loans is a registered trade name of Equity Prime Mortgage LLC (NMLS #21116), which filed these figures.
- 2025 home loan decisionsOf 15,116 applications decided by Equity Prime Mortgage LLC in 2025, 12,087 were originated, 78 were approved but not accepted by the borrower, and 2,951 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 80.5%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 8,121 applications were withdrawn by the borrower, 5,151 were closed for incompleteness, and 4 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.408 percentage points above the average prime offer rate (reported on 12,087 originations)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$11,767.45 — originated closed-end household loans, 2025, 12,036 of 12,070 loans. FFIEC HMDA data browser.
- Median origination charges$4,822.81 — originated closed-end household loans, 2025, 12,066 of 12,070 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types524 Conventional, 6,940 FHA, 3,637 VA, 986 USDA — of 12,087 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for Equity Prime Mortgage LLC — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is Equity Loans's NMLS number?
Equity Loans's NMLS number is 21116. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Equity Loans's NMLS ID?
Yes. We checked Equity Loans's company name and NMLS ID against the NMLS record on October 14, 2026. They've been in our lender network since March 2012. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Equity Loans?
This page has Equity Loans's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.