Emm Loans Mortgage Rates, Fees & Info
Cherry Hill, NJLEI: 549300EMNDEK4BA8WB53
Tax ID: 54-2070914
1.8 stars
-
out of 5 stars, based on 72 reviews
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Emm Loans is a small mortgage company specializing in Home Purchase and Refi loans. Emm Loans has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Philadelphia, Boston, New York, Virginia Beach, and Baltimore among others. We have data for 290 markets. (Some data included below & more in-depth data is available with an active subscription.)Emm Loans has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Emm Loans is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.72% | 6/4/23 |
| 30 Year Conventional Refi | 6.74% | 6/4/23 |
| 30 Year FHA Purchase | 7.22% | 6/4/23 |
| 30 Year FHA Refi | 6.81% | 6/4/23 |
| 30 Year VA Purchase | 6.15% | 6/4/23 |
| 30 Year VA Refi | 6.28% | 6/4/23 |
| 30 Year USDA Purchase | 6.63% | 6/4/23 |
| 15 Year Conventional Purchase | 6.00% | 6/4/23 |
| 15 Year Conventional Refi | 6.20% | 6/4/23 |
| 15 Year Cash-out Refi | 6.20% | 6/4/23 |
| 15 Year FHA Refi | 7.04% | 6/4/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Emm Loans Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Emm Loans. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
5,210Origination Dollar Volume (All Markets)
$1,567,130,000Awards
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EMM LOANS - 2022
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For 2022, less than of lenders were eligible for this award.
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Relative Rate
Emm Loans's average 30 year fixed mortgage rate was
4.99%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.23%.
Relative Fees (Closing Costs)
Emm Loans's average total fees/closing costs for a 30 year fixed rate
mortgage were $9,016.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 734 | $217,800,000 | $296,730 | $9,225 | 4.72% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 320 | $135,030,000 | $421,969 | $8,199 | 4.98% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 285 | $114,445,000 | $401,561 | $12,252 | 5.15% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 198 | $61,610,000 | $311,162 | $8,668 | 5.10% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 177 | $61,045,000 | $344,887 | $8,751 | 4.82% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 101 | $46,595,000 | $461,337 | $12,343 | 4.77% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 141 | $46,155,000 | $327,340 | $10,021 | 5.01% |
| Lebanon, NH-VT (FHA|USDA|VA) | 157 | $43,455,000 | $276,783 | $5,351 | 4.70% |
| Outside of Metro Areas | 200 | $42,070,000 | $210,350 | $6,873 | 4.92% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 123 | $39,915,000 | $324,512 | $10,476 | 4.95% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 131 | $39,655,000 | $302,710 | $4,677 | 4.86% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 113 | $38,755,000 | $342,965 | $7,755 | 5.13% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 123 | $33,135,000 | $269,390 | $8,518 | 4.54% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 102 | $33,060,000 | $324,118 | $9,155 | 4.81% |
| LANCASTER, PA (FHA|USDA|VA) | 105 | $27,195,000 | $259,000 | $8,655 | 4.81% |
| RICHMOND, VA (FHA|USDA|VA) | 71 | $22,665,000 | $319,225 | $7,668 | 5.19% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 66 | $22,370,000 | $338,939 | $10,274 | 4.93% |
| LEBANON, PA (FHA|USDA|VA) | 109 | $20,575,000 | $188,761 | $6,500 | 4.77% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 88 | $20,280,000 | $230,455 | $7,684 | 4.83% |
| Concord, NH (FHA|USDA|VA) | 53 | $17,425,000 | $328,774 | $7,079 | 4.88% |
| LOUISVILLE, KY (FHA|USDA|VA) | 79 | $16,765,000 | $212,215 | $6,322 | 5.10% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 74 | $16,480,000 | $222,703 | $8,263 | 4.76% |
| PITTSBURGH, PA (FHA|USDA|VA) | 80 | $16,160,000 | $202,000 | $6,951 | 4.27% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 50 | $15,810,000 | $316,200 | $10,341 | 4.61% |
| LYNCHBURG, VA (FHA|USDA|VA) | 59 | $14,315,000 | $242,627 | $6,139 | 5.13% |
| DOVER, DE (FHA|USDA|VA) | 36 | $13,960,000 | $387,778 | $12,584 | 5.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 48 | $13,770,000 | $286,875 | $10,033 | 4.54% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 29 | $13,325,000 | $459,483 | $10,925 | 4.98% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 60 | $12,760,000 | $212,667 | $8,021 | 5.08% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 31 | $12,295,000 | $396,613 | $7,413 | 5.07% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 46 | $11,460,000 | $249,130 | $8,644 | 5.46% |
| Mount Airy, NC (FHA|USDA|VA) | 51 | $11,275,000 | $221,078 | $7,776 | 5.03% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 36 | $10,960,000 | $304,444 | $10,792 | 4.92% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 40 | $9,740,000 | $243,500 | $7,710 | 4.67% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 23 | $8,975,000 | $390,217 | $10,887 | 5.01% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 22 | $8,680,000 | $394,545 | $8,357 | 5.70% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 25 | $8,115,000 | $324,600 | $8,875 | 4.82% |
| READING, PA (FHA|USDA|VA) | 35 | $7,995,000 | $228,429 | $7,409 | 4.69% |
| St. Marys, GA (FHA|USDA|VA) | 24 | $7,410,000 | $308,750 | $9,057 | 4.94% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 25 | $6,875,000 | $275,000 | $9,297 | 4.45% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 21 | $6,865,000 | $326,905 | $10,059 | 4.71% |
| Laconia, NH (FHA|USDA|VA) | 20 | $6,340,000 | $317,000 | $8,743 | 5.32% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 16 | $6,070,000 | $379,375 | $8,178 | 5.11% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 15 | $5,775,000 | $385,000 | $7,238 | 5.07% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 16 | $4,800,000 | $300,000 | $7,731 | 4.63% |
| Key West, FL (FHA|USDA|VA) | 8 | $4,090,000 | $511,250 | $12,268 | 4.88% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 16 | $3,920,000 | $245,000 | $7,383 | 5.90% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 16 | $3,910,000 | $244,375 | $8,513 | 4.73% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 8 | $3,800,000 | $475,000 | $14,351 | 4.81% |
| BATON ROUGE, LA (FHA|USDA|VA) | 15 | $3,775,000 | $251,667 | $10,418 | 4.78% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 15 | $3,775,000 | $251,667 | $8,648 | 5.36% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 14 | $3,660,000 | $261,429 | $10,113 | 5.04% |
| WILMINGTON, NC (FHA|USDA|VA) | 8 | $3,650,000 | $456,250 | $9,421 | 4.17% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 15 | $3,615,000 | $241,000 | $9,741 | 4.51% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 9 | $3,615,000 | $401,667 | $10,755 | 4.32% |
| MONTGOMERY, AL (FHA|USDA|VA) | 8 | $3,420,000 | $427,500 | $8,443 | 5.33% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 9 | $3,405,000 | $378,333 | $8,577 | 4.81% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 12 | $3,340,000 | $278,333 | $9,538 | 4.94% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 11 | $3,305,000 | $300,455 | $12,817 | 3.96% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 12 | $3,280,000 | $273,333 | $12,169 | 4.62% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 17 | $3,265,000 | $192,059 | $10,051 | 3.91% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 10 | $3,180,000 | $318,000 | $10,309 | 5.31% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 9 | $3,175,000 | $352,778 | $14,875 | 5.07% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 16 | $3,100,000 | $193,750 | $11,675 | 4.13% |
| Keene, NH (FHA|USDA|VA) | 11 | $3,065,000 | $278,636 | $5,995 | 5.38% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 11 | $2,585,000 | $235,000 | $9,832 | 5.18% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 6 | $2,480,000 | $413,333 | $5,110 | 4.23% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $2,445,000 | $489,000 | $8,270 | 5.15% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 15 | $2,395,000 | $159,667 | $7,738 | 5.38% |
| OCALA, FL (FHA|USDA|VA) | 9 | $2,345,000 | $260,556 | $8,475 | 4.96% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 10 | $2,330,000 | $233,000 | $6,998 | 5.11% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 16 | $2,330,000 | $145,625 | $5,979 | 6.54% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $2,235,000 | $319,286 | $13,978 | 5.45% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 11 | $2,065,000 | $187,727 | $9,819 | 5.18% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 6 | $2,000,000 | $333,333 | $9,464 | 4.00% |
| Indiana, PA (FHA|USDA|VA) | 13 | $1,965,000 | $151,154 | $7,100 | 4.10% |
| ALTOONA, PA (FHA|USDA|VA) | 11 | $1,925,000 | $175,000 | $7,383 | 5.08% |
| ASHEVILLE, NC (FHA|USDA|VA) | 6 | $1,900,000 | $316,667 | $8,945 | 4.42% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 7 | $1,895,000 | $270,714 | $12,827 | 4.05% |
| Easton, MD (FHA|USDA|VA) | 5 | $1,865,000 | $373,000 | $9,969 | 5.43% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 8 | $1,850,000 | $231,250 | $12,482 | 6.11% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 8 | $1,840,000 | $230,000 | $13,523 | 4.69% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 7 | $1,835,000 | $262,143 | $10,795 | 5.45% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 7 | $1,805,000 | $257,857 | $9,554 | 4.45% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $1,795,000 | $359,000 | $11,443 | 3.47% |
| COLUMBIA, SC (FHA|USDA|VA) | 7 | $1,675,000 | $239,286 | $6,711 | 4.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 6 | $1,650,000 | $275,000 | $7,978 | 5.25% |
| Alexander City, AL (FHA|USDA|VA) | 3 | $1,645,000 | $548,333 | $11,213 | 4.88% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $1,630,000 | $407,500 | $16,413 | 4.31% |
| Bennington, VT (FHA|USDA|VA) | 4 | $1,620,000 | $405,000 | $4,898 | 4.53% |
| BRUNSWICK, GA (FHA|USDA|VA) | 3 | $1,615,000 | $538,333 | $12,358 | 5.25% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 6 | $1,600,000 | $266,667 | $10,241 | 3.93% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 4 | $1,560,000 | $390,000 | $6,456 | 5.09% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 7 | $1,525,000 | $217,857 | $9,948 | 5.52% |
| COLUMBUS, OH (FHA|USDA|VA) | 7 | $1,515,000 | $216,429 | $6,557 | 5.57% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $13,070 | 4.93% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 6 | $1,420,000 | $236,667 | $10,365 | 4.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 5 | $1,415,000 | $283,000 | $7,500 | 5.83% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $10,674 | 4.91% |
| LaGrange, GA-AL (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $6,249 | 5.77% |
| New Castle, PA (FHA|USDA|VA) | 9 | $1,375,000 | $152,778 | $8,854 | 5.35% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $13,468 | 4.98% |
| GETTYSBURG, PA (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $8,257 | 5.70% |
| Kinston, NC (FHA|USDA|VA) | 6 | $1,250,000 | $208,333 | $5,423 | 3.92% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $8,438 | 5.09% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $10,703 | 4.98% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $6,542 | 3.21% |
| ROANOKE, VA (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $9,570 | 6.62% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 5 | $1,115,000 | $223,000 | $7,809 | 4.33% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $8,296 | 4.97% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $13,113 | 3.81% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $8,347 | 4.59% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $9,272 | 5.43% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $9,910 | 4.79% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $7,853 | 3.88% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $13,340 | 4.34% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $10,851 | 4.38% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $9,206 | 4.24% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $7,511 | 4.91% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $9,454 | 4.84% |
| Pottsville, PA (FHA|USDA|VA) | 5 | $925,000 | $185,000 | $7,605 | 4.95% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $7,365 | 4.25% |
| MONROE, LA (FHA|USDA|VA) | 5 | $885,000 | $177,000 | $5,924 | 5.03% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $7,394 | 5.34% |
| North Wilkesboro, NC (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $8,115 | 6.50% |
| GREENVILLE, NC (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $6,054 | 5.08% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $13,162 | 4.28% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $10,750 | 4.46% |
| Bardstown, KY (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $10,709 | 6.21% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $7,448 | 5.03% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $7,698 | 4.88% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $8,989 | 5.04% |
| Port Angeles, WA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $12,622 | 4.56% |
| Frankfort, KY (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $7,770 | 5.31% |
| Barre, VT (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $4,255 | 4.56% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $6,761 | 4.69% |
| Forest City, NC (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $3,528 | 3.25% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 5 | $635,000 | $127,000 | $6,215 | 4.35% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $9,554 | 3.50% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $3,880 | 2.63% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $11,737 | 3.81% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $9,940 | 4.13% |
| Cambridge, MD (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $8,823 | 5.88% |
| Rutland, VT (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $11,867 | 4.58% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $11,974 | 4.50% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $6,072 | 6.06% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $6,683 | 6.37% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $14,526 | 2.81% |
| FLINT, MI (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $6,801 | 4.65% |
| Somerset, PA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $8,729 | 3.88% |
| Menomonie, WI (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $14,053 | 4.63% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,646 | 4.68% |
| Marion, NC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,548 | 3.75% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $6,699 | 4.25% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,265 | 4.99% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $13,152 | 4.25% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,884 | 6.25% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,858 | 4.50% |
| NAPA, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $19,092 | 3.50% |
| Payson, AZ (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $12,042 | 5.44% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $15,380 | 5.88% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $12,659 | 4.00% |
| Palatka, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $7,225 | 4.19% |
| TOLEDO, OH (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $3,033 | 6.67% |
| Georgetown, SC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,564 | 5.69% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,627 | 3.38% |
| Brevard, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $17,941 | 3.38% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $17,124 | 3.25% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $8,394 | 3.68% |
| Atmore, AL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $11,757 | 5.44% |
| Berlin, NH (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,270 | 4.43% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $19,335 | 4.75% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $15,876 | 6.00% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $7,210 | 5.38% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $8,976 | 3.44% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $12,437 | 6.13% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,311 | 7.25% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $9,457 | 5.31% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,819 | 5.43% |
| STAUNTON, VA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,176 | 5.63% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $14,622 | 5.50% |
| Okeechobee, FL (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $3,805 | 3.46% |
| MONROE, MI (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $11,191 | 5.50% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $12,693 | 4.81% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $16,563 | 6.13% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,579 | 5.50% |
| Torrington, CT (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $11,225 | 4.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $9,937 | 4.50% |
| Wilson, NC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,387 | 3.31% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,165 | 5.25% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $11,263 | 4.25% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,575 | 4.13% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $14,465 | 5.75% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $8,453 | 4.38% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,530 | 4.75% |
| Pullman, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $14,671 | 5.38% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $10,082 | 5.81% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $11,510 | 5.38% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $20,767 | 2.88% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,914 | 5.00% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,897 | 5.75% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $7,555 | 4.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $16,583 | 6.99% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,479 | 3.88% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,690 | 2.88% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $7,454 | 5.31% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $7,341 | 3.13% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,295 | 4.87% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,498 | 3.38% |
| Danville, VA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,410 | 3.88% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $13,875 | 4.75% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $12,470 | 4.88% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $13,400 | 3.25% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,113 | 4.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,638 | 2.99% |
| Seneca, SC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,068 | 4.38% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $13,206 | 6.25% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,974 | 3.50% |
| Centralia, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,830 | 3.63% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,210 | 3.88% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,915 | 5.00% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,425 | 3.38% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,578 | 4.75% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,153 | 5.63% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,699 | 6.25% |
| WACO, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,056 | 5.75% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $13,794 | 5.00% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $12,361 | 4.99% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,088 | 6.38% |
| REDDING, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $12,926 | 3.50% |
| Montrose, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,693 | 3.63% |
| Crossville, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $13,447 | 5.88% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,357 | 6.50% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,267 | 4.88% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,613 | 3.38% |
| ROME, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,918 | 3.25% |
| SALEM, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $12,467 | 3.50% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,135 | 3.50% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,040 | 4.38% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $15,011 | 2.88% |
| Richmond, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $14,685 | 4.88% |
| RACINE, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 4.00% |
| McComb, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,829 | 3.88% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $12,498 | 3.25% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,337 | 3.88% |
| Bemidji, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $13,571 | 4.75% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,357 | 6.75% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,941 | 4.75% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,918 | 5.88% |
| Pella, IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $12,947 | 5.50% |
| Bluffton, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,502 | 4.38% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,422 | 3.50% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,306 | 3.25% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,361 | 3.88% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $11,914 | 4.50% |
| Mayfield, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,524 | 3.25% |
| MADISON, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,021 | 5.50% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,542 | 7.13% |
| Lake City, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,764 | 7.25% |
| Jasper, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $12,620 | 5.88% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $12,972 | 5.50% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $11,777 | 5.25% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,642 | 6.25% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $11,700 | 5.50% |
| Kendallville, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $11,952 | 3.75% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $11,863 | 4.63% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $11,281 | 5.75% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,745 | 3.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,573 | 6.50% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,401 | 4.25% |
| AKRON, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,234 | 3.88% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,787 | 5.88% |
| Worthington, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $12,236 | 4.00% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,439 | 5.50% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $10,499 | 5.13% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $10,374 | 4.63% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,028 | 3.88% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $11,357 | 4.88% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,328 | 5.63% |
| Oneonta, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,680 | 3.63% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,153 | 3.99% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,986 | 5.13% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,501 | 4.99% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,616 | 3.50% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,139 | 6.13% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.63% |
| Selma, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,186 | 5.63% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,394 | 3.50% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,975 | 4.50% |
| ERIE, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,356 | 3.38% |
Emm Loans's top markets include Philadelphia, Boston, New York, Virginia Beach, and Baltimore among others.
Their top states include:Pennsylvania
(FHA|USDA|VA)
Florida
(FHA|USDA|VA)
Massachusetts
(FHA|USDA|VA)
New Jersey
(FHA|USDA|VA)
New Hampshire
(FHA|USDA|VA)
Their top states include:
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Product Mix
For 2022, Emm Loans's most frequently originated type of loan was Conventional, with 3,644 originations. Their 2nd most popular type was FHA, with 1,115 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 3,835 | $1,192,525,000 | $310,958 | $8,710 | 5.05% |
| Refi | 1,375 | $374,605,000 | $272,440 | $9,006 | 4.40% |
For 2022, Emm Loans's most frequently cited loan purpose was Home Purchase, with 3,835 originations. The 2nd most popular reason was Refi, with 1,375 originations.
Loan Duration/Length
For 2022, Emm Loans's most frequently cited loan duration was 30 Year, with 4,912 originations. The 2nd most popular length was 15 Year, with 175 originations.
Origination Fees/Closing Costs
Emm Loans's average total fees were $9,016, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,824 originations.
Interest Rates
During 2022, Emm Loans's average interest rate for loans was 4.99%, while their most frequently originated rate bucket for loans was 5-6%, with 1,536 originations.
Loan Sizing
2022 saw Emm Loans place emphasis on $200k-400k loans with 2,655 originations, totaling $762,745,000 in origination value.
Applicant Income
Emm Loans lent most frequently to those with incomes in the $50k-75k range, with 1,278 originations. The second most popular income band? $100k-150k, with 1,232 originations.
Applicant Debt to Income Ratio
Emm Loans lent most frequently to those with DTI ratios of 30-36%, with 775 originations. The next most common DTI ratio? 20-30%, with 748 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.12%
Emm Loans has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination75.64%
Emm Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 5,210 | $1,567,130,000 | $300,793 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5,210 | $1,567,130,000 | $300,793 |