This business is not BBB accredited.

Emery Financial

Additional Locations

Phone: (949) 729-9200 Fax: (949) 729-9212 View Additional Phone Numbers 620 Newport Center Dr #800, Newport Beach, CA 92660

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BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for Emery Financial include:

  • Failure to respond to 1 complaint(s) filed against business

Factors that raised the rating for Emery Financial include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size

Customer Complaints Summary Read complaint details

1 complaint closed with BBB in last 3 years | 1 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 1
Total Closed Complaints 1

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Emery Financial
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: Business started: 02/09/1993 in CA Business incorporated 02/09/1993 in CA
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

California Bureau of Real Estate
1651 Exposition Blvd, Sacramento CA 95815
Phone Number: 1 (877) 373-4542
Fax Number: (916) 263-8641
The number is 01157066.

Nationwide Mortgage Licensing System
Phone Number: (240) 386-4444
The number is 79057.

Type of Entity


Business Management
Mr. Brad Sarvak Mr. Rick Geary, Vice President
Contact Information
Customer Contact: Mr. Rick Geary, Vice President
Principal: Mr. Brad Sarvak
Number of Employees


Business Category

Mortgage Brokers

Alternate Business Names
Emery Financial Inc
Industry Tips
Financial Industry

Additional Locations


    12750 High Bluff Dr #200

    San Diego, CA 92130 (858) 764-7825


    620 Newport Center Dr #800

    Newport Beach, CA 92660 (949) 729-9200 (800) 573-6379


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

9/15/2015 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: The issue I am having is that I had my original loan for my home done by emery financial and I was pretty happy with the way ***** took care of me. Then after 1 year later they sent me a letter that the rates dropped and asked if I wanted to refinance. I was ok with moving forward on saving some additional money each month with the new lower rate. So I gave ***** all the requested info that he asked for plus I had another property so I decided to refi two different properties. On Feb 2015 after paying $490 for the appraisal fee I had an appraisal done on my property which came out perfect with everything we wanted. I emailed ***** back with all the additional documents and after I heard nothing from him. I followed up 2 months later asking what the heck is going on he responded that he is working with credit and there was some issue with my application. 2 months pass no call no reply this guy totally forgot about me. I emailed him and asked him what the heck is going on with my two home loans. Follows back sorry please send me your documents again. I was like what happen to the documents I originally sent over 2 months ago when all the conditions were checked off. He said sorry no documents we would have to decline you. With no follow up no updates this was the worst experience from any loan officer. I decided to go with another company sent over the same exact documents I had sent to ***** loan closed within 10days.

Desired Settlement: I want a refund on my appraisal as I wanted to do business with emery financial, but ***** totally dropped the ball and forgot about me and I no longer trust their business practice.

Customer Review(s)

The customer review(s) below are un-filtered. These positive and negative reviews are not used in the calculation of the BBB Rating. If you wish to file a complaint and request a resolution to your issue please click here. This customer review section is not BBBs complaint resolution system. Customer Reviews are the subjective opinion of the individual who posted the review and not of Better Business Bureau. A customer review is not posted on a business if a BBB complaint on the same issue(s) is also filed. BBB cannot guarantee the accuracy of any customer review and is not responsible for the content of any customer review. Public comments are not customer reviews.

Customer Reviews Summary

0 Customer Reviews on Emery Financial
Positive Experience (0 reviews)
Neutral Experience (0 reviews)
Negative Experience (0 reviews)