Emm Loans Mortgage Rates, Fees & Info

Cherry Hill, NJ

LEI: 549300EMNDEK4BA8WB53

Tax ID: 54-2070914

3 stars - out of 5 stars, based on 95 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Emm Loans is a small mortgage company specializing in Refi and Home Purchase 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, Lebanon, and Baltimore among others. We have data for 344 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 6.64% 1/29/23
    30 Year Conventional Refi 6.68% 1/29/23
    30 Year FHA Purchase 7.45% 1/29/23
    30 Year FHA Refi 7.19% 1/29/23
    30 Year VA Purchase 6.36% 1/29/23
    30 Year VA Refi 6.24% 1/29/23
    30 Year USDA Purchase 6.78% 1/29/23
    30 Year USDA Refi 6.56% 1/29/23
    15 Year Conventional Purchase 5.96% 1/29/23
    15 Year Conventional Refi 6.13% 1/29/23
    15 Year Cash-out Refi 6.13% 1/29/23
    15 Year FHA Refi 5.68% 1/29/23
    15 Year VA Purchase 6.74% 1/29/23
    15 Year VA Refi 5.85% 1/29/23
    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.


    Originations

    8,967

    Origination Dollar Volume (All Markets)

    $2,458,885,000
    Show all (12) awards

    Relative Rate

    Emm Loans's average 30 year fixed mortgage rate was 3.12%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.03%.

    Relative Fees (Closing Costs)

    Emm Loans's average total fees/closing costs for a 30 year fixed rate mortgage were $6,825.

    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) 1,195 $345,585,000 $289,192 $7,481 3.04%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 762 $297,470,000 $390,381 $5,992 3.05%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 432 $157,490,000 $364,560 $8,709 3.10%
    Lebanon, NH-VT (FHA|USDA|VA) 429 $117,965,000 $274,977 $3,784 2.95%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 320 $97,180,000 $303,688 $6,319 3.00%
    PITTSBURGH, PA (FHA|USDA|VA) 552 $94,830,000 $171,793 $4,531 2.64%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 323 $83,765,000 $259,334 $3,761 3.15%
    WORCESTER, MA-CT (FHA|USDA|VA) 248 $70,470,000 $284,153 $5,440 3.07%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 164 $65,520,000 $399,512 $9,428 3.03%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 224 $62,530,000 $279,152 $7,554 3.09%
    Outside of Metro Areas 276 $56,420,000 $204,420 $5,457 2.91%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 234 $55,300,000 $236,325 $5,991 3.03%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 161 $46,965,000 $291,708 $6,515 2.99%
    JACKSONVILLE, FL (FHA|USDA|VA) 145 $42,395,000 $292,379 $7,327 3.05%
    LANCASTER, PA (FHA|USDA|VA) 172 $41,710,000 $242,500 $6,013 2.97%
    LEBANON, PA (FHA|USDA|VA) 209 $37,385,000 $178,876 $5,861 2.97%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 125 $34,395,000 $275,160 $6,875 2.99%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 94 $26,340,000 $280,213 $6,365 3.02%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 119 $23,685,000 $199,034 $5,566 2.91%
    OCEAN CITY, NJ (FHA|USDA|VA) 57 $23,485,000 $412,018 $6,216 3.10%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 87 $21,455,000 $246,609 $7,760 3.10%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 79 $21,405,000 $270,949 $7,304 3.08%
    Concord, NH (FHA|USDA|VA) 59 $17,795,000 $301,610 $4,240 3.00%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 54 $17,680,000 $327,407 $6,020 3.00%
    SPRINGFIELD, MA (FHA|USDA|VA) 81 $17,365,000 $214,383 $6,971 3.12%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 56 $16,720,000 $298,571 $8,039 3.08%
    Key West, FL (FHA|USDA|VA) 35 $16,675,000 $476,429 $10,029 3.24%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 75 $15,405,000 $205,400 $4,250 3.17%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 57 $14,585,000 $255,877 $8,022 3.10%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 39 $14,005,000 $359,103 $7,061 2.88%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 60 $13,990,000 $233,167 $7,268 3.18%
    BATON ROUGE, LA (FHA|USDA|VA) 54 $13,710,000 $253,889 $6,870 3.21%
    YORK-HANOVER, PA (FHA|USDA|VA) 63 $13,425,000 $213,095 $6,446 2.98%
    RICHMOND, VA (FHA|USDA|VA) 40 $12,830,000 $320,750 $6,427 3.01%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 42 $12,160,000 $289,524 $6,596 3.02%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 31 $11,605,000 $374,355 $11,100 3.14%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 55 $11,605,000 $211,000 $7,991 3.12%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 57 $11,515,000 $202,018 $8,488 3.16%
    SALISBURY, MD-DE (FHA|USDA|VA) 43 $11,035,000 $256,628 $6,942 3.00%
    DOVER, DE (FHA|USDA|VA) 42 $10,960,000 $260,952 $7,734 3.23%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 33 $10,055,000 $304,697 $9,315 3.23%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 37 $8,205,000 $221,757 $6,399 3.11%
    Mount Airy, NC (FHA|USDA|VA) 32 $8,180,000 $255,625 $5,583 2.95%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 34 $7,930,000 $233,235 $7,035 3.36%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 30 $7,450,000 $248,333 $9,430 3.14%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 38 $7,400,000 $194,737 $7,324 3.04%
    READING, PA (FHA|USDA|VA) 29 $7,155,000 $246,724 $7,549 2.93%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 28 $7,100,000 $253,571 $6,677 3.20%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 28 $7,060,000 $252,143 $9,121 3.14%
    Laconia, NH (FHA|USDA|VA) 27 $7,005,000 $259,444 $4,452 2.92%
    COLUMBUS, OH (FHA|USDA|VA) 24 $6,250,000 $260,417 $5,632 3.27%
    SAVANNAH, GA (FHA|USDA|VA) 27 $6,245,000 $231,296 $5,046 2.91%
    St. Marys, GA (FHA|USDA|VA) 26 $6,150,000 $236,538 $5,493 2.91%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 18 $5,950,000 $330,556 $7,981 3.01%
    Indiana, PA (FHA|USDA|VA) 35 $5,765,000 $164,714 $6,575 2.59%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 20 $5,620,000 $281,000 $8,382 3.08%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 27 $5,315,000 $196,852 $8,424 3.27%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 15 $5,295,000 $353,000 $5,337 3.10%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 19 $5,015,000 $263,947 $7,536 3.07%
    RALEIGH-CARY, NC (FHA|USDA|VA) 16 $4,670,000 $291,875 $7,158 2.79%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 16 $4,430,000 $276,875 $8,437 3.12%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 16 $4,310,000 $269,375 $9,036 2.99%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 11 $4,285,000 $389,545 $7,912 3.40%
    GREENVILLE, NC (FHA|USDA|VA) 16 $4,230,000 $264,375 $4,279 2.82%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 15 $4,115,000 $274,333 $6,419 3.22%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 17 $4,005,000 $235,588 $7,255 3.40%
    Easton, MD (FHA|USDA|VA) 9 $3,855,000 $428,333 $7,775 3.18%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 14 $3,800,000 $271,429 $7,319 3.05%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 17 $3,795,000 $223,235 $8,873 3.16%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 11 $3,775,000 $343,182 $6,610 3.30%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 18 $3,750,000 $208,333 $5,568 3.08%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 16 $3,610,000 $225,625 $8,090 3.09%
    Bennington, VT (FHA|USDA|VA) 10 $3,520,000 $352,000 $5,382 2.84%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 18 $3,260,000 $181,111 $7,816 3.26%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 16 $3,230,000 $201,875 $6,908 3.26%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 13 $3,145,000 $241,923 $7,572 3.13%
    ASHEVILLE, NC (FHA|USDA|VA) 14 $3,120,000 $222,857 $6,856 3.20%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 13 $3,065,000 $235,769 $8,202 3.17%
    Vineyard Haven, MA (FHA|USDA|VA) 5 $2,915,000 $583,000 $11,027 3.25%
    OCALA, FL (FHA|USDA|VA) 13 $2,895,000 $222,692 $6,337 3.25%
    Pottsville, PA (FHA|USDA|VA) 15 $2,835,000 $189,000 $5,195 2.81%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 15 $2,755,000 $183,667 $6,817 3.11%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 12 $2,610,000 $217,500 $7,811 3.15%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 10 $2,480,000 $248,000 $7,624 2.74%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 10 $2,390,000 $239,000 $6,038 2.93%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 10 $2,380,000 $238,000 $7,701 3.25%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 7 $2,355,000 $336,429 $12,720 3.14%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 10 $2,340,000 $234,000 $6,122 3.11%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 9 $2,285,000 $253,889 $8,908 3.22%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 10 $2,260,000 $226,000 $8,492 3.30%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 7 $2,095,000 $299,286 $6,261 2.77%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 12 $2,090,000 $174,167 $7,446 2.92%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 12 $2,090,000 $174,167 $6,876 3.43%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 10 $2,070,000 $207,000 $6,994 2.96%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 5 $1,995,000 $399,000 $2,613 3.08%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 9 $1,985,000 $220,556 $6,343 2.83%
    GETTYSBURG, PA (FHA|USDA|VA) 7 $1,975,000 $282,143 $9,103 2.98%
    Berlin, NH (FHA|USDA|VA) 8 $1,920,000 $240,000 $6,315 3.12%
    BAKERSFIELD, CA (FHA|USDA|VA) 8 $1,890,000 $236,250 $8,340 3.38%
    STOCKTON, CA (FHA|USDA|VA) 6 $1,870,000 $311,667 $11,080 3.02%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 7 $1,845,000 $263,571 $10,006 2.99%
    PUNTA GORDA, FL (FHA|USDA|VA) 5 $1,745,000 $349,000 $10,413 3.20%
    WINSTON-SALEM, NC (FHA|USDA|VA) 8 $1,720,000 $215,000 $6,015 3.04%
    COLUMBIA, SC (FHA|USDA|VA) 8 $1,690,000 $211,250 $6,572 3.17%
    TUCSON, AZ (FHA|USDA|VA) 7 $1,655,000 $236,429 $9,316 2.84%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $1,630,000 $407,500 $7,035 3.03%
    Keene, NH (FHA|USDA|VA) 7 $1,605,000 $229,286 $4,022 2.82%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $1,595,000 $227,857 $11,046 3.20%
    Morehead City, NC (FHA|USDA|VA) 6 $1,590,000 $265,000 $2,871 2.83%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 9 $1,555,000 $172,778 $4,353 3.28%
    WILMINGTON, NC (FHA|USDA|VA) 6 $1,540,000 $256,667 $6,188 3.12%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 10 $1,510,000 $151,000 $7,090 3.23%
    ROANOKE, VA (FHA|USDA|VA) 3 $1,505,000 $501,667 $8,378 3.00%
    New Castle, PA (FHA|USDA|VA) 11 $1,445,000 $131,364 $4,159 3.47%
    SALINAS, CA (FHA|USDA|VA) 4 $1,420,000 $355,000 $6,980 2.97%
    Kinston, NC (FHA|USDA|VA) 6 $1,390,000 $231,667 $3,887 2.63%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 6 $1,380,000 $230,000 $8,119 3.17%
    ALTOONA, PA (FHA|USDA|VA) 6 $1,340,000 $223,333 $7,224 2.71%
    BRUNSWICK, GA (FHA|USDA|VA) 4 $1,330,000 $332,500 $10,765 2.66%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $1,285,000 $257,000 $5,368 2.85%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 7 $1,245,000 $177,857 $7,385 2.89%
    Cambridge, MD (FHA|USDA|VA) 6 $1,210,000 $201,667 $3,742 3.12%
    YAKIMA, WA (FHA|USDA|VA) 6 $1,210,000 $201,667 $6,417 3.04%
    LYNCHBURG, VA (FHA|USDA|VA) 5 $1,195,000 $239,000 $3,842 2.98%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 4 $1,190,000 $297,500 $6,436 2.84%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $1,190,000 $297,500 $13,199 3.09%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 6 $1,190,000 $198,333 $8,225 3.35%
    PITTSFIELD, MA (FHA|USDA|VA) 5 $1,175,000 $235,000 $7,246 3.28%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 5 $1,145,000 $229,000 $5,234 3.08%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 4 $1,060,000 $265,000 $9,504 3.28%
    CHICO, CA (FHA|USDA|VA) 4 $1,050,000 $262,500 $9,922 3.03%
    HUNTSVILLE, AL (FHA|USDA|VA) 5 $1,035,000 $207,000 $9,439 3.53%
    Barre, VT (FHA|USDA|VA) 3 $1,015,000 $338,333 $4,079 3.13%
    MADISON, WI (FHA|USDA|VA) 5 $1,005,000 $201,000 $7,077 3.00%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 4 $1,000,000 $250,000 $10,020 3.06%
    JACKSONVILLE, NC (FHA|USDA|VA) 4 $990,000 $247,500 $7,388 3.25%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $970,000 $485,000 $6,027 3.13%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 4 $950,000 $237,500 $8,796 3.00%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $950,000 $237,500 $10,499 3.03%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 6 $940,000 $156,667 $4,967 3.21%
    Centralia, WA (FHA|USDA|VA) 3 $925,000 $308,333 $9,936 3.08%
    VISALIA, CA (FHA|USDA|VA) 4 $900,000 $225,000 $8,788 2.94%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 5 $895,000 $179,000 $5,614 2.97%
    AKRON, OH (FHA|USDA|VA) 5 $895,000 $179,000 $4,327 3.65%
    BEND, OR (FHA|USDA|VA) 4 $880,000 $220,000 $7,063 3.44%
    Washington, NC (FHA|USDA|VA) 2 $880,000 $440,000 $4,303 2.87%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $870,000 $217,500 $9,008 3.56%
    GRANTS PASS, OR (FHA|USDA|VA) 4 $840,000 $210,000 $8,051 3.19%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 5 $835,000 $167,000 $5,685 3.12%
    Rutland, VT (FHA|USDA|VA) 4 $830,000 $207,500 $4,245 2.90%
    KINGSTON, NY (FHA|USDA|VA) 2 $830,000 $415,000 $6,962 3.06%
    COLUMBUS, GA-AL (FHA|USDA|VA) 4 $810,000 $202,500 $6,843 2.91%
    Newport, OR (FHA|USDA|VA) 2 $800,000 $400,000 $16,114 3.43%
    FRESNO, CA (FHA|USDA|VA) 4 $790,000 $197,500 $9,517 3.12%
    MONTGOMERY, AL (FHA|USDA|VA) 2 $780,000 $390,000 $9,011 3.38%
    TALLAHASSEE, FL (FHA|USDA|VA) 4 $780,000 $195,000 $13,892 3.34%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $775,000 $155,000 $5,964 3.38%
    Show Low, AZ (FHA|USDA|VA) 2 $770,000 $385,000 $8,476 3.19%
    MODESTO, CA (FHA|USDA|VA) 3 $755,000 $251,667 $7,520 3.21%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 3 $745,000 $248,333 $4,861 3.00%
    GREELEY, CO (FHA|USDA|VA) 3 $745,000 $248,333 $11,306 2.96%
    MEDFORD, OR (FHA|USDA|VA) 4 $730,000 $182,500 $8,883 3.06%
    Wilson, NC (FHA|USDA|VA) 4 $730,000 $182,500 $5,222 3.31%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $710,000 $355,000 $16,279 3.00%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $710,000 $177,500 $6,789 3.12%
    KNOXVILLE, TN (FHA|USDA|VA) 5 $705,000 $141,000 $5,585 3.15%
    THE VILLAGES, FL (FHA|USDA|VA) 3 $705,000 $235,000 $4,597 3.04%
    ROCHESTER, NY (FHA|USDA|VA) 3 $695,000 $231,667 $7,123 3.04%
    Sunbury, PA (FHA|USDA|VA) 5 $695,000 $139,000 $5,578 3.00%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 3 $685,000 $228,333 $9,666 3.25%
    FLINT, MI (FHA|USDA|VA) 4 $680,000 $170,000 $6,235 3.31%
    BELLINGHAM, WA (FHA|USDA|VA) 4 $680,000 $170,000 $6,964 2.94%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $675,000 $225,000 $8,176 2.92%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $670,000 $167,500 $7,454 3.19%
    GAINESVILLE, FL (FHA|USDA|VA) 3 $665,000 $221,667 $7,054 3.00%
    Okeechobee, FL (FHA|USDA|VA) 3 $655,000 $218,333 $7,743 3.54%
    DULUTH, MN-WI (FHA|USDA|VA) 4 $640,000 $160,000 $6,628 2.84%
    Augusta-Waterville, ME (FHA|USDA|VA) 2 $640,000 $320,000 $8,991 3.63%
    Plymouth, IN (FHA|USDA|VA) 2 $640,000 $320,000 $7,160 2.88%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 4 $630,000 $157,500 $5,695 3.50%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $630,000 $315,000 $8,105 2.75%
    PANAMA CITY, FL (FHA|USDA|VA) 4 $630,000 $157,500 $4,448 3.03%
    YUBA CITY, CA (FHA|USDA|VA) 2 $600,000 $300,000 $8,416 3.25%
    Payson, AZ (FHA|USDA|VA) 4 $580,000 $145,000 $5,149 3.53%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $570,000 $285,000 $12,215 3.25%
    Richmond-Berea, KY (FHA|USDA|VA) 4 $550,000 $137,500 $3,953 2.84%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $545,000 $545,000 $8,167 3.50%
    Traverse City, MI (FHA|USDA|VA) 3 $545,000 $181,667 $6,080 3.04%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $545,000 $545,000 $6,990 2.63%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $530,000 $265,000 $4,578 3.62%
    GOLDSBORO, NC (FHA|USDA|VA) 2 $530,000 $265,000 $2,775 2.93%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $510,000 $255,000 $8,828 2.88%
    Sevierville, TN (FHA|USDA|VA) 3 $505,000 $168,333 $8,585 3.08%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $500,000 $250,000 $9,465 3.56%
    ROCKFORD, IL (FHA|USDA|VA) 3 $485,000 $161,667 $8,545 3.50%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 2 $480,000 $240,000 $2,588 2.06%
    NAPA, CA (FHA|USDA|VA) 1 $475,000 $475,000 $22,085 2.88%
    Port Angeles, WA (FHA|USDA|VA) 2 $460,000 $230,000 $10,237 2.93%
    Henderson, NC (FHA|USDA|VA) 2 $460,000 $230,000 $9,519 2.75%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $460,000 $230,000 $9,749 3.19%
    SPARTANBURG, SC (FHA|USDA|VA) 3 $455,000 $151,667 $7,175 3.08%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $455,000 $151,667 $5,635 3.17%
    ROCKY MOUNT, NC (FHA|USDA|VA) 2 $450,000 $225,000 $4,024 3.31%
    REDDING, CA (FHA|USDA|VA) 2 $450,000 $225,000 $8,672 3.12%
    GAINESVILLE, GA (FHA|USDA|VA) 2 $450,000 $225,000 $2,502 2.56%
    TOLEDO, OH (FHA|USDA|VA) 3 $445,000 $148,333 $5,455 2.96%
    VALDOSTA, GA (FHA|USDA|VA) 2 $440,000 $220,000 $4,188 3.31%
    Aberdeen, WA (FHA|USDA|VA) 2 $430,000 $215,000 $8,582 2.69%
    GREEN BAY, WI (FHA|USDA|VA) 2 $420,000 $210,000 $7,396 3.25%
    JOHNSTOWN, PA (FHA|USDA|VA) 4 $420,000 $105,000 $4,530 2.69%
    MERCED, CA (FHA|USDA|VA) 2 $420,000 $210,000 $8,436 3.18%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $420,000 $210,000 $12,043 2.99%
    TEXARKANA, TX-AR (FHA|USDA|VA) 1 $415,000 $415,000 $12,207 2.99%
    Palestine, TX (FHA|USDA|VA) 1 $415,000 $415,000 $14,050 3.75%
    Marion, NC (FHA|USDA|VA) 1 $415,000 $415,000 $16,787 3.25%
    Torrington, CT (FHA|USDA|VA) 2 $400,000 $200,000 $6,495 3.13%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 2 $400,000 $200,000 $5,063 3.12%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $400,000 $200,000 $7,447 2.75%
    STATE COLLEGE, PA (FHA|USDA|VA) 2 $400,000 $200,000 $4,224 2.93%
    La Grande, OR (FHA|USDA|VA) 2 $400,000 $200,000 $5,968 3.25%
    CLEVELAND, TN (FHA|USDA|VA) 3 $395,000 $131,667 $6,510 3.04%
    Frankfort, KY (FHA|USDA|VA) 2 $390,000 $195,000 $8,217 3.31%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $385,000 $385,000 $12,788 3.25%
    VALLEJO, CA (FHA|USDA|VA) 1 $385,000 $385,000 $7,886 2.99%
    Oak Harbor, WA (FHA|USDA|VA) 2 $380,000 $190,000 $6,384 2.94%
    Roanoke Rapids, NC (FHA|USDA|VA) 2 $380,000 $190,000 $3,545 3.44%
    Red Bluff, CA (FHA|USDA|VA) 2 $380,000 $190,000 $7,929 2.81%
    WILLIAMSPORT, PA (FHA|USDA|VA) 2 $380,000 $190,000 $8,873 2.88%
    Clearlake, CA (FHA|USDA|VA) 1 $375,000 $375,000 $9,074 2.88%
    LONGVIEW, WA (FHA|USDA|VA) 2 $370,000 $185,000 $6,716 3.44%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $370,000 $185,000 $5,901 3.00%
    LAFAYETTE, LA (FHA|USDA|VA) 2 $370,000 $185,000 $8,712 3.00%
    Palatka, FL (FHA|USDA|VA) 2 $370,000 $185,000 $5,110 3.31%
    Sandusky, OH (FHA|USDA|VA) 1 $365,000 $365,000 $9,808 3.25%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $360,000 $180,000 $6,139 3.31%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $360,000 $180,000 $10,440 3.06%
    Alexandria, MN (FHA|USDA|VA) 2 $360,000 $180,000 $7,173 3.18%
    Somerset, KY (FHA|USDA|VA) 2 $360,000 $180,000 $7,011 3.00%
    FLORENCE, SC (FHA|USDA|VA) 1 $355,000 $355,000 $11,830 3.13%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $350,000 $175,000 $6,626 3.19%
    Marion, OH (FHA|USDA|VA) 2 $350,000 $175,000 $2,355 3.25%
    Georgetown, SC (FHA|USDA|VA) 2 $350,000 $175,000 $7,450 3.13%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $345,000 $345,000 $1,773 2.75%
    WARNER ROBINS, GA (FHA|USDA|VA) 2 $340,000 $170,000 $7,999 3.56%
    Somerset, PA (FHA|USDA|VA) 3 $335,000 $111,667 $5,026 3.04%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $330,000 $165,000 $6,683 3.38%
    Cañon City, CO (FHA|USDA|VA) 1 $325,000 $325,000 $11,811 2.50%
    Brevard, NC (FHA|USDA|VA) 2 $310,000 $155,000 $5,892 3.00%
    YUMA, AZ (FHA|USDA|VA) 2 $310,000 $155,000 $7,030 2.87%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $305,000 $305,000 $8,400 3.63%
    HAMMOND, LA (FHA|USDA|VA) 1 $305,000 $305,000 $3,396 2.88%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $305,000 $305,000 $11,917 3.25%
    Glasgow, KY (FHA|USDA|VA) 1 $295,000 $295,000 $3,388 2.88%
    Ellensburg, WA (FHA|USDA|VA) 1 $295,000 $295,000 $8,977 2.75%
    Moses Lake, WA (FHA|USDA|VA) 2 $290,000 $145,000 $6,050 3.00%
    LONGVIEW, TX (FHA|USDA|VA) 2 $290,000 $145,000 $6,363 3.13%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $275,000 $275,000 $4,551 3.25%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $275,000 $275,000 $11,449 3.25%
    RACINE, WI (FHA|USDA|VA) 2 $270,000 $135,000 $5,460 3.56%
    BANGOR, ME (FHA|USDA|VA) 1 $265,000 $265,000 $6,211 2.99%
    MUSKEGON, MI (FHA|USDA|VA) 2 $260,000 $130,000 $6,195 3.18%
    Houghton, MI (FHA|USDA|VA) 2 $260,000 $130,000 $3,489 3.50%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $255,000 $255,000 $12,006 2.99%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $255,000 $255,000 $9,414 2.99%
    IOWA CITY, IA (FHA|USDA|VA) 1 $255,000 $255,000 $13,428 2.99%
    Scottsburg, IN (FHA|USDA|VA) 1 $245,000 $245,000 $7,280 2.88%
    Newberry, SC (FHA|USDA|VA) 1 $245,000 $245,000 $7,096 3.25%
    Astoria, OR (FHA|USDA|VA) 1 $245,000 $245,000 $9,054 2.88%
    Enterprise, AL (FHA|USDA|VA) 1 $245,000 $245,000 $11,394 2.50%
    Durango, CO (FHA|USDA|VA) 1 $245,000 $245,000 $7,531 2.88%
    Holland, MI (FHA|USDA|VA) 1 $245,000 $245,000 $13,981 2.88%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $245,000 $245,000 $5,384 3.38%
    BOULDER, CO (FHA|USDA|VA) 1 $235,000 $235,000 $6,251 3.25%
    SUMTER, SC (FHA|USDA|VA) 1 $235,000 $235,000 $8,799 3.25%
    Whitewater, WI (FHA|USDA|VA) 1 $225,000 $225,000 $6,240 2.88%
    Forest City, NC (FHA|USDA|VA) 1 $225,000 $225,000 $6,156 3.38%
    Faribault-Northfield, MN (FHA|USDA|VA) 1 $225,000 $225,000 $4,849 2.99%
    MUNCIE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $8,447 2.50%
    Coos Bay, OR (FHA|USDA|VA) 1 $215,000 $215,000 $4,904 2.75%
    Granbury, TX (FHA|USDA|VA) 1 $215,000 $215,000 $7,727 3.63%
    TERRE HAUTE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $6,011 3.25%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $205,000 $205,000 $3,613 2.75%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $205,000 $205,000 $6,821 3.50%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $205,000 $205,000 $7,357 3.00%
    AMES, IA (FHA|USDA|VA) 1 $205,000 $205,000 $8,375 2.75%
    Dublin, GA (FHA|USDA|VA) 1 $205,000 $205,000 $10,435 2.50%
    SALEM, OR (FHA|USDA|VA) 1 $205,000 $205,000 $4,719 3.38%
    BATTLE CREEK, MI (FHA|USDA|VA) 1 $205,000 $205,000 $8,637 2.99%
    Brainerd, MN (FHA|USDA|VA) 1 $205,000 $205,000 $7,143 2.75%
    Klamath Falls, OR (FHA|USDA|VA) 1 $195,000 $195,000 $7,751 3.25%
    Albertville, AL (FHA|USDA|VA) 1 $195,000 $195,000 $7,287 2.99%
    DuBois, PA (FHA|USDA|VA) 2 $190,000 $95,000 $5,408 3.31%
    JACKSON, MS (FHA|USDA|VA) 1 $185,000 $185,000 $4,099 3.25%
    PUEBLO, CO (FHA|USDA|VA) 1 $185,000 $185,000 $7,310 3.38%
    MADERA, CA (FHA|USDA|VA) 1 $185,000 $185,000 $9,448 3.13%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $185,000 $185,000 $8,505 3.13%
    DECATUR, AL (FHA|USDA|VA) 1 $175,000 $175,000 $9,942 2.99%
    Shelbyville, TN (FHA|USDA|VA) 1 $175,000 $175,000 $9,476 2.99%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $175,000 $175,000 $8,271 3.25%
    JACKSON, MI (FHA|USDA|VA) 1 $175,000 $175,000 $6,301 3.50%
    Bemidji, MN (FHA|USDA|VA) 1 $175,000 $175,000 $6,250 3.25%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $175,000 $175,000 $2,974 3.25%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.25%
    Ashtabula, OH (FHA|USDA|VA) 1 $165,000 $165,000 $6,600 3.63%
    Arcadia, FL (FHA|USDA|VA) 1 $165,000 $165,000 $6,433 2.99%
    MOBILE, AL (FHA|USDA|VA) 1 $165,000 $165,000 $9,588 3.50%
    Tupelo, MS (FHA|USDA|VA) 1 $165,000 $165,000 $6,397 2.88%
    Norwalk, OH (FHA|USDA|VA) 1 $165,000 $165,000 $8,082 3.25%
    McMinnville, TN (FHA|USDA|VA) 1 $165,000 $165,000 $4,177 3.38%
    Lewisburg, PA (FHA|USDA|VA) 1 $155,000 $155,000 $7,523 3.50%
    Lake City, FL (FHA|USDA|VA) 1 $155,000 $155,000 $5,614 2.88%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $155,000 $155,000 $8,042 3.13%
    Red Wing, MN (FHA|USDA|VA) 1 $155,000 $155,000 $9,131 3.25%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $155,000 $155,000 $5,947 3.13%
    Seneca, SC (FHA|USDA|VA) 1 $155,000 $155,000 $4,909 3.50%
    Bogalusa, LA (FHA|USDA|VA) 1 $155,000 $155,000 $8,856 3.25%
    Meridian, MS (FHA|USDA|VA) 1 $145,000 $145,000 $7,174 3.63%
    BURLINGTON, NC (FHA|USDA|VA) 1 $145,000 $145,000 $7,140 2.88%
    Calhoun, GA (FHA|USDA|VA) 1 $145,000 $145,000 $6,159 3.25%
    Crawfordsville, IN (FHA|USDA|VA) 1 $145,000 $145,000 $7,204 3.50%
    DALTON, GA (FHA|USDA|VA) 1 $145,000 $145,000 $6,896 2.99%
    ROME, GA (FHA|USDA|VA) 1 $145,000 $145,000 $4,669 3.13%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $145,000 $145,000 $4,743 3.38%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,050 3.25%
    Winona, MN (FHA|USDA|VA) 1 $145,000 $145,000 $7,798 2.99%
    FOND DU LAC, WI (FHA|USDA|VA) 1 $145,000 $145,000 $9,498 2.75%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $145,000 $145,000 $6,803 2.99%
    Greeneville, TN (FHA|USDA|VA) 1 $145,000 $145,000 $3,779 3.00%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $145,000 $145,000 $9,662 2.38%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $145,000 $145,000 $8,839 3.50%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $145,000 $145,000 $6,978 2.99%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $145,000 $145,000 $6,087 3.25%
    Beaver Dam, WI (FHA|USDA|VA) 1 $135,000 $135,000 $6,239 2.88%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $135,000 $135,000 $5,662 3.63%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $135,000 $135,000 $5,970 3.38%
    Cookeville, TN (FHA|USDA|VA) 1 $135,000 $135,000 $5,947 3.13%
    Willmar, MN (FHA|USDA|VA) 1 $135,000 $135,000 $7,081 2.88%
    The Dalles, OR (FHA|USDA|VA) 1 $125,000 $125,000 $7,622 3.38%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $125,000 $125,000 $3,835 3.38%
    Greenwood, SC (FHA|USDA|VA) 1 $125,000 $125,000 $7,093 2.88%
    NEW BERN, NC (FHA|USDA|VA) 1 $125,000 $125,000 $3,612 3.25%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $105,000 $105,000 $3,729 2.50%
    Wooster, OH (FHA|USDA|VA) 1 $105,000 $105,000 $5,587 3.75%
    ERIE, PA (FHA|USDA|VA) 1 $55,000 $55,000 $3,000 3.63%
    Emm Loans's top markets include Philadelphia, Boston, New York, Lebanon, and Baltimore among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • New Hampshire (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 7,480 $2,060,500,000 $275,468 $5,916 3.03%
    FHA 1,002 $255,540,000 $255,030 $9,937 3.05%
    VA 351 $117,305,000 $334,202 $8,998 2.79%
    USDA 134 $25,540,000 $190,597 $6,233 2.87%

    For 2021, Emm Loans's most frequently originated type of loan was Conventional, with 7,480 originations. Their 2nd most popular type was FHA, with 1,002 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 4,721 $1,268,075,000 $268,603 $6,530 3.02%
    Home Purchase 4,246 $1,190,810,000 $280,455 $6,499 3.03%

    For 2021, Emm Loans's most frequently cited loan purpose was Refi, with 4,721 originations. The 2nd most popular reason was Home Purchase, with 4,246 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 7,588 $2,139,690,000 $281,983 $6,825 3.12%
    15 Year 720 $172,070,000 $238,986 $5,156 2.50%
    20 Year 383 $97,475,000 $254,504 $5,344 2.86%
    Other 148 $38,050,000 $257,095 $4,775 2.74%
    10 Year 111 $11,415,000 $102,838 $2,071 1.17%
    5 Year 17 $185,000 $10,882 $1 0.00%

    For 2021, Emm Loans's most frequently cited loan duration was 30 Year, with 7,588 originations. The 2nd most popular length was 15 Year, with 720 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,926 $753,080,000 $257,375
    $5k+ 2,140 $682,000,000 $318,692
    $<1k 1,564 $440,040,000 $281,355
    $2k-3k 703 $181,175,000 $257,717
    $4k-5k 681 $167,585,000 $246,087
    $3k-4k 581 $143,305,000 $246,652

    Emm Loans's average total fees were $6,825, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,926 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 4,077 $1,157,105,000 $283,813
    3-4% 3,707 $1,015,705,000 $273,996
    <2.5% 990 $239,980,000 $242,404
    4-5% 193 $46,095,000 $238,834

    During 2021, Emm Loans's average interest rate for loans was 3.12%, while their most frequently originated rate bucket for loans was 2.5-3%, with 4,077 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 4,477 $1,260,345,000 $281,516 $6,739 3.04%
    $100k-200k 2,750 $430,930,000 $156,702 $5,388 3.08%
    $400k-600k 1,168 $560,010,000 $479,461 $7,991 3.02%
    $100,000 or less 316 $17,900,000 $56,646 $2,598 2.24%
    $600k-1MM 241 $171,185,000 $710,311 $11,971 3.13%
    $1MM+ 15 $18,515,000 $1,234,333 $19,451 3.02%

    2021 saw Emm Loans place emphasis on $200k-400k loans with 4,477 originations, totaling $1,260,345,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 2,304 $498,840,000 $216,510 $6,330 3.01%
    $100k-150k 1,867 $590,935,000 $316,516 $6,724 3.05%
    $75k-100k 1,544 $413,000,000 $267,487 $6,687 3.04%
    $50k or less 1,505 $251,455,000 $167,080 $5,791 2.98%
    $150k-250k 1,249 $476,065,000 $381,157 $6,993 3.05%
    $250k+ 498 $228,590,000 $459,016 $7,278 3.03%

    Emm Loans lent most frequently to those with incomes in the $50k-75k range, with 2,304 originations. The second most popular income band? $100k-150k, with 1,867 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,721 $470,285,000 $273,263 $5,966 2.95%
    30-36% 1,569 $431,825,000 $275,223 $6,094 3.04%
    <20% 552 $151,850,000 $275,091 $5,367 2.88%
    44% 456 $121,500,000 $266,447 $6,980 3.11%
    43% 408 $108,130,000 $265,025 $6,589 3.08%
    50-60% 387 $109,715,000 $283,501 $10,382 3.00%
    42% 368 $100,120,000 $272,065 $6,751 3.07%
    39% 366 $98,600,000 $269,399 $6,575 3.09%
    41% 364 $96,860,000 $266,099 $6,413 3.12%
    40% 340 $89,990,000 $264,676 $6,496 3.04%
    37% 326 $85,510,000 $262,301 $6,414 3.04%
    38% 322 $90,740,000 $281,801 $6,746 3.03%
    36% 321 $87,095,000 $271,324 $6,317 3.04%
    45% 306 $84,910,000 $277,484 $6,634 3.06%
    49% 300 $84,180,000 $280,600 $6,751 3.09%
    47% 278 $80,870,000 $290,899 $7,014 3.05%
    48% 265 $74,735,000 $282,019 $6,662 3.05%
    46% 245 $69,785,000 $284,837 $7,041 3.09%
    >60% 16 $6,090,000 $380,625 $11,110 3.10%

    Emm Loans lent most frequently to those with DTI ratios of 20-30%, with 1,721 originations. The next most common DTI ratio? 30-36%, with 1,569 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 7,235 $1,960,745,000 $271,008 $6,407 3.01%
    Not provided 808 $244,150,000 $302,166 $6,450 3.04%
    Black 610 $158,460,000 $259,770 $7,732 3.13%
    Asian 274 $85,250,000 $311,131 $6,697 3.05%
    American Indian 31 $7,705,000 $248,548 $7,192 2.93%
    Native Hawaiian or Islander 8 $2,220,000 $277,500 $8,117 3.23%
    Other Asian 1 $355,000 $355,000 $17,889 3.13%

    Approval Rates

    Total approvals of all applications
    95.70%

    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 origination
    77.36%

    Emm Loans has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 8,967 $2,458,885,000 $274,215

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    8,967 $2,458,885,000 $274,215

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 318 $71,100,000 $223,585 $5,117 2.88%
    40-60% 1,465 $370,015,000 $252,570 $5,906 2.92%
    60-80% 3,461 $994,915,000 $287,465 $6,486 3.11%
    80-100% 3,532 $983,270,000 $278,389 $6,868 3.06%
    Over 100% 89 $34,715,000 $390,056 $14,134 2.85%
    Under 20% 102 $4,870,000 $47,745 $970 0.79%