Emm Loans Mortgage Rates, Fees & Info

Cherry Hill, NJ

LEI: 549300EMNDEK4BA8WB53

Tax ID: 54-2070914

1 stars - out of 5 stars, based on 106 reviews

2020 Data | 2019 Data | 2018 Data


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 include Montgomery County, Boston, Baltimore, Cambridge, and Rockingham County among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Emm Loans is typically a high fee lendor.


Originations

11,142

Origination Dollar Volume (All Markets)

$2,973,500,000
Show all (5) awards

Relative Rate

Emm Loans 's average 30 year fixed rate mortgage of loans were 3.34%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of -0.02%.

Relative Fees

Emm Loans 's average total fees for a 30 year fixed rate mortgage are $6,886.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Outside of Metro Areas 1,029 $243,245,000 $236,390 $5,469 3.29%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) 693 $217,055,000 $313,211 $8,450 3.18%
BOSTON, MA (FHA|USDA|VA) 382 $154,850,000 $405,366 $6,979 3.35%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 495 $145,745,000 $294,434 $6,675 3.31%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA (FHA|USDA|VA) 368 $142,580,000 $387,446 $6,380 3.24%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH (FHA|USDA|VA) 445 $142,485,000 $320,191 $4,941 3.31%
PITTSBURGH, PA (FHA|USDA|VA) 487 $94,735,000 $194,528 $5,472 3.05%
NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) 269 $83,925,000 $311,989 $7,505 3.25%
WORCESTER, MA-CT (FHA|USDA|VA) 321 $82,855,000 $258,115 $4,925 3.22%
JACKSONVILLE, FL (FHA|USDA|VA) 253 $66,885,000 $264,368 $7,301 3.17%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 256 $65,870,000 $257,305 $6,749 3.19%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 230 $61,000,000 $265,217 $6,811 3.09%
NEWARK, NJ-PA (FHA|USDA|VA) 171 $59,755,000 $349,444 $8,511 3.24%
PHILADELPHIA, PA (FHA|USDA|VA) 225 $55,855,000 $248,244 $7,638 3.33%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 194 $54,960,000 $283,299 $6,394 3.23%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 209 $54,385,000 $260,215 $4,109 3.47%
PORT ST. LUCIE, FL (FHA|USDA|VA) 251 $53,545,000 $213,327 $5,451 3.20%
LANCASTER, PA (FHA|USDA|VA) 235 $53,415,000 $227,298 $5,881 3.11%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 195 $53,395,000 $273,821 $6,004 3.34%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ (FHA|USDA|VA) 133 $52,295,000 $393,195 $9,313 3.41%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 150 $51,610,000 $344,067 $9,166 3.31%
WILMINGTON, DE-MD-NJ (FHA|USDA|VA) 167 $39,855,000 $238,653 $6,657 3.16%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 129 $39,035,000 $302,597 $4,827 3.41%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 176 $35,760,000 $203,182 $4,760 3.32%
CAMDEN, NJ (FHA|USDA|VA) 141 $34,105,000 $241,879 $5,835 3.14%
LEBANON, PA (FHA|USDA|VA) 186 $32,510,000 $174,785 $6,021 3.14%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 134 $29,600,000 $220,896 $6,052 3.10%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 119 $26,375,000 $221,639 $7,793 3.52%
BATON ROUGE, LA (FHA|USDA|VA) 107 $25,095,000 $234,533 $6,654 3.34%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 78 $24,680,000 $316,410 $5,572 3.31%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) 72 $23,910,000 $332,083 $7,747 3.21%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 104 $23,430,000 $225,288 $7,186 3.40%
WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) 81 $21,585,000 $266,481 $5,291 3.23%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 84 $21,050,000 $250,595 $7,808 3.64%
NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) 67 $20,275,000 $302,612 $6,052 3.06%
CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) 80 $19,840,000 $248,000 $7,088 3.34%
OCEAN CITY, NJ (FHA|USDA|VA) 58 $18,350,000 $316,379 $6,003 3.21%
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 57 $17,745,000 $311,316 $8,909 3.26%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 66 $17,730,000 $268,636 $6,801 3.34%
YORK-HANOVER, PA (FHA|USDA|VA) 89 $17,315,000 $194,551 $6,396 3.29%
COLUMBUS, OH (FHA|USDA|VA) 68 $16,720,000 $245,882 $5,442 3.47%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 69 $15,545,000 $225,290 $6,121 3.22%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 59 $15,045,000 $255,000 $8,998 3.26%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 67 $14,915,000 $222,612 $7,193 3.29%
SPRINGFIELD, MA (FHA|USDA|VA) 53 $12,255,000 $231,226 $5,564 3.25%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 45 $11,625,000 $258,333 $7,530 3.28%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 52 $11,590,000 $222,885 $7,002 3.22%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 54 $10,710,000 $198,333 $8,236 3.34%
SALISBURY, MD-DE (FHA|USDA|VA) 40 $9,940,000 $248,500 $6,271 3.28%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 37 $9,935,000 $268,514 $6,856 3.21%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 42 $9,930,000 $236,429 $6,492 3.47%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 38 $9,460,000 $248,947 $8,016 3.62%
MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) 34 $9,180,000 $270,000 $8,337 3.32%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 56 $9,140,000 $163,214 $5,366 3.81%
DETROIT-DEARBORN-LIVONIA, MI (FHA|USDA|VA) 40 $8,690,000 $217,250 $5,149 3.42%
DOVER, DE (FHA|USDA|VA) 34 $8,470,000 $249,118 $7,423 3.24%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 35 $8,405,000 $240,143 $8,322 3.42%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 21 $8,265,000 $393,571 $8,500 3.36%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 30 $8,200,000 $273,333 $6,837 3.38%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 29 $7,585,000 $261,552 $9,035 3.38%
RALEIGH-CARY, NC (FHA|USDA|VA) 30 $7,410,000 $247,000 $7,720 3.29%
READING, PA (FHA|USDA|VA) 32 $7,130,000 $222,813 $7,213 3.29%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 27 $7,075,000 $262,037 $9,477 3.26%
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 23 $6,195,000 $269,348 $9,137 3.38%
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 28 $5,550,000 $198,214 $7,969 3.47%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 22 $5,250,000 $238,636 $10,059 3.30%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 21 $5,105,000 $243,095 $7,382 3.24%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 19 $4,995,000 $262,895 $7,645 3.44%
SEBASTIAN-VERO BEACH, FL (FHA|USDA|VA) 24 $4,980,000 $207,500 $6,026 3.30%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 16 $4,380,000 $273,750 $4,509 3.16%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 22 $4,300,000 $195,455 $7,382 3.49%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 17 $4,225,000 $248,529 $7,439 3.25%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 12 $4,180,000 $348,333 $12,178 3.07%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 21 $4,165,000 $198,333 $5,942 3.28%
NASSAU COUNTY-SUFFOLK COUNTY, NY (FHA|USDA|VA) 10 $3,740,000 $374,000 $7,181 3.61%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 18 $3,680,000 $204,444 $6,767 3.47%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 20 $3,640,000 $182,000 $6,567 3.71%
CEDAR RAPIDS, IA (FHA|USDA|VA) 21 $3,505,000 $166,905 $5,845 3.27%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 14 $3,340,000 $238,571 $6,929 3.38%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 9 $3,235,000 $359,444 $6,816 3.55%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 10 $3,210,000 $321,000 $9,360 3.27%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 19 $3,185,000 $167,632 $6,498 3.48%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 15 $3,165,000 $211,000 $7,302 3.38%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 15 $3,145,000 $209,667 $9,435 3.53%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 13 $3,095,000 $238,077 $9,376 3.65%
STOCKTON, CA (FHA|USDA|VA) 14 $3,030,000 $216,429 $7,185 3.50%
COLORADO SPRINGS, CO (FHA|USDA|VA) 13 $3,015,000 $231,923 $6,461 3.51%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 14 $2,910,000 $207,857 $6,629 3.39%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 14 $2,770,000 $197,857 $8,244 3.21%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 9 $2,755,000 $306,111 $9,258 3.47%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 8 $2,510,000 $313,750 $6,389 3.14%
WINSTON-SALEM, NC (FHA|USDA|VA) 11 $2,495,000 $226,818 $5,967 3.15%
MODESTO, CA (FHA|USDA|VA) 10 $2,430,000 $243,000 $10,104 3.30%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 13 $2,415,000 $185,769 $6,466 3.58%
TUCSON, AZ (FHA|USDA|VA) 12 $2,350,000 $195,833 $7,439 3.30%
SAVANNAH, GA (FHA|USDA|VA) 8 $2,350,000 $293,750 $6,631 3.20%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 9 $2,325,000 $258,333 $9,788 3.38%
GREENVILLE, NC (FHA|USDA|VA) 8 $2,280,000 $285,000 $3,238 2.91%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 8 $2,250,000 $281,250 $8,263 3.20%
VALLEJO, CA (FHA|USDA|VA) 7 $2,235,000 $319,286 $9,479 3.13%
RICHMOND, VA (FHA|USDA|VA) 10 $2,180,000 $218,000 $5,776 3.74%
BEND, OR (FHA|USDA|VA) 8 $1,990,000 $248,750 $9,323 3.00%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 8 $1,970,000 $246,250 $8,837 3.59%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 9 $1,935,000 $215,000 $6,299 3.26%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 10 $1,910,000 $191,000 $7,334 3.31%
EAST STROUDSBURG, PA (FHA|USDA|VA) 9 $1,905,000 $211,667 $9,526 3.15%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 9 $1,845,000 $205,000 $8,505 3.54%
SALEM, OR (FHA|USDA|VA) 8 $1,840,000 $230,000 $8,793 3.26%
BAKERSFIELD, CA (FHA|USDA|VA) 9 $1,825,000 $202,778 $8,298 3.53%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 6 $1,810,000 $301,667 $11,720 3.21%
ELGIN, IL (FHA|USDA|VA) 8 $1,790,000 $223,750 $7,172 3.27%
GARY, IN (FHA|USDA|VA) 10 $1,780,000 $178,000 $7,450 3.26%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $1,765,000 $353,000 $8,368 3.02%
ANN ARBOR, MI (FHA|USDA|VA) 6 $1,740,000 $290,000 $6,159 3.31%
ASHEVILLE, NC (FHA|USDA|VA) 9 $1,725,000 $191,667 $7,453 3.57%
ROCHESTER, NY (FHA|USDA|VA) 9 $1,705,000 $189,444 $8,788 3.24%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 6 $1,700,000 $283,333 $6,151 3.21%
FORT COLLINS, CO (FHA|USDA|VA) 7 $1,635,000 $233,571 $9,799 3.23%
MONTGOMERY, AL (FHA|USDA|VA) 5 $1,615,000 $323,000 $8,906 2.88%
LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) 7 $1,605,000 $229,286 $8,628 3.45%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 8 $1,600,000 $200,000 $6,002 3.25%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 8 $1,590,000 $198,750 $7,286 3.69%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 11 $1,585,000 $144,091 $4,413 3.63%
FRESNO, CA (FHA|USDA|VA) 8 $1,580,000 $197,500 $8,463 3.50%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 7 $1,565,000 $223,571 $6,291 3.27%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 7 $1,555,000 $222,143 $7,874 3.25%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 7 $1,545,000 $220,714 $8,208 3.10%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 8 $1,540,000 $192,500 $7,347 3.14%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 6 $1,410,000 $235,000 $8,138 3.33%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 6 $1,370,000 $228,333 $8,347 3.00%
GRANTS PASS, OR (FHA|USDA|VA) 6 $1,350,000 $225,000 $9,410 3.19%
PANAMA CITY, FL (FHA|USDA|VA) 6 $1,330,000 $221,667 $6,083 3.35%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 6 $1,320,000 $220,000 $8,059 3.25%
AKRON, OH (FHA|USDA|VA) 7 $1,315,000 $187,857 $8,060 3.36%
PUNTA GORDA, FL (FHA|USDA|VA) 5 $1,315,000 $263,000 $7,314 3.53%
BELLINGHAM, WA (FHA|USDA|VA) 5 $1,305,000 $261,000 $7,857 3.10%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 7 $1,255,000 $179,286 $7,564 3.20%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 8 $1,240,000 $155,000 $5,338 3.58%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 4 $1,210,000 $302,500 $6,200 2.94%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 5 $1,205,000 $241,000 $8,622 3.38%
GETTYSBURG, PA (FHA|USDA|VA) 6 $1,190,000 $198,333 $6,475 3.17%
TALLAHASSEE, FL (FHA|USDA|VA) 6 $1,170,000 $195,000 $8,110 3.18%
CANTON-MASSILLON, OH (FHA|USDA|VA) 6 $1,150,000 $191,667 $6,442 3.10%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 8 $1,120,000 $140,000 $5,660 3.23%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $1,120,000 $280,000 $11,378 3.19%
VISALIA, CA (FHA|USDA|VA) 6 $1,110,000 $185,000 $8,674 3.64%
REDDING, CA (FHA|USDA|VA) 6 $1,080,000 $180,000 $6,531 3.50%
THE VILLAGES, FL (FHA|USDA|VA) 5 $1,065,000 $213,000 $6,366 3.25%
MEDFORD, OR (FHA|USDA|VA) 4 $1,040,000 $260,000 $10,665 3.59%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $1,035,000 $345,000 $6,667 3.67%
GAINESVILLE, GA (FHA|USDA|VA) 4 $1,020,000 $255,000 $5,636 3.13%
ALTOONA, PA (FHA|USDA|VA) 5 $995,000 $199,000 $7,624 3.23%
OCALA, FL (FHA|USDA|VA) 6 $990,000 $165,000 $5,120 3.16%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 5 $985,000 $197,000 $8,187 3.62%
ROCHESTER, MN (FHA|USDA|VA) 5 $985,000 $197,000 $8,006 3.95%
COLUMBIA, SC (FHA|USDA|VA) 5 $975,000 $195,000 $5,792 3.35%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 4 $970,000 $242,500 $6,298 3.25%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $945,000 $189,000 $7,947 3.10%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $915,000 $305,000 $10,438 3.83%
KNOXVILLE, TN (FHA|USDA|VA) 5 $895,000 $179,000 $8,615 3.70%
MADISON, WI (FHA|USDA|VA) 5 $895,000 $179,000 $7,826 3.15%
PUEBLO, CO (FHA|USDA|VA) 5 $895,000 $179,000 $7,273 3.53%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 4 $880,000 $220,000 $9,832 3.43%
ST. CLOUD, MN (FHA|USDA|VA) 4 $840,000 $210,000 $8,786 3.13%
SALINAS, CA (FHA|USDA|VA) 3 $835,000 $278,333 $10,637 4.25%
YUBA CITY, CA (FHA|USDA|VA) 3 $815,000 $271,667 $7,220 3.63%
BRUNSWICK, GA (FHA|USDA|VA) 3 $815,000 $271,667 $9,312 3.08%
TOLEDO, OH (FHA|USDA|VA) 4 $800,000 $200,000 $4,795 3.28%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $795,000 $265,000 $8,450 3.88%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $770,000 $385,000 $16,789 3.50%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $755,000 $251,667 $8,723 3.83%
YAKIMA, WA (FHA|USDA|VA) 3 $755,000 $251,667 $9,087 3.33%
HAMMOND, LA (FHA|USDA|VA) 2 $710,000 $355,000 $5,127 3.31%
FLINT, MI (FHA|USDA|VA) 4 $700,000 $175,000 $8,181 3.09%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 4 $700,000 $175,000 $7,457 3.63%
PITTSFIELD, MA (FHA|USDA|VA) 3 $685,000 $228,333 $4,267 3.04%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $680,000 $170,000 $4,888 2.84%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 3 $665,000 $221,667 $6,810 3.33%
GREELEY, CO (FHA|USDA|VA) 2 $640,000 $320,000 $9,282 3.19%
IOWA CITY, IA (FHA|USDA|VA) 3 $605,000 $201,667 $4,543 3.58%
WARNER ROBINS, GA (FHA|USDA|VA) 4 $580,000 $145,000 $5,837 3.81%
EAU CLAIRE, WI (FHA|USDA|VA) 3 $575,000 $191,667 $6,701 3.50%
HARRISONBURG, VA (FHA|USDA|VA) 3 $565,000 $188,333 $4,175 3.54%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $560,000 $280,000 $7,984 2.75%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 3 $555,000 $185,000 $9,770 3.33%
WENATCHEE, WA (FHA|USDA|VA) 2 $550,000 $275,000 $9,707 3.06%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $550,000 $275,000 $7,748 3.50%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $540,000 $270,000 $6,069 3.06%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 2 $530,000 $265,000 $3,156 2.94%
NILES, MI (FHA|USDA|VA) 2 $520,000 $260,000 $5,376 3.44%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $520,000 $260,000 $5,731 3.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $510,000 $255,000 $10,518 3.19%
LONGVIEW, WA (FHA|USDA|VA) 2 $480,000 $240,000 $8,728 3.25%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $475,000 $475,000 $16,911 3.63%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $470,000 $235,000 $7,576 2.63%
SPRINGFIELD, OH (FHA|USDA|VA) 3 $465,000 $155,000 $6,171 4.04%
STATE COLLEGE, PA (FHA|USDA|VA) 2 $450,000 $225,000 $5,236 3.19%
ROANOKE, VA (FHA|USDA|VA) 2 $450,000 $225,000 $9,690 3.63%
TYLER, TX (FHA|USDA|VA) 2 $440,000 $220,000 $6,885 3.56%
MOBILE, AL (FHA|USDA|VA) 3 $435,000 $145,000 $4,988 3.50%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $425,000 $425,000 $14,374 2.50%
CLEVELAND, TN (FHA|USDA|VA) 2 $420,000 $210,000 $8,222 3.75%
CHICO, CA (FHA|USDA|VA) 3 $415,000 $138,333 $5,248 3.71%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 3 $405,000 $135,000 $6,882 3.46%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $395,000 $131,667 $4,822 4.54%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) 1 $395,000 $395,000 $13,668 3.63%
GREEN BAY, WI (FHA|USDA|VA) 2 $390,000 $195,000 $7,458 3.81%
RACINE, WI (FHA|USDA|VA) 2 $380,000 $190,000 $10,418 3.38%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $380,000 $190,000 $5,464 3.25%
AMES, IA (FHA|USDA|VA) 2 $380,000 $190,000 $8,076 3.31%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $380,000 $190,000 $7,145 2.87%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $370,000 $185,000 $5,342 3.44%
SPARTANBURG, SC (FHA|USDA|VA) 2 $340,000 $170,000 $8,082 3.56%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $340,000 $170,000 $7,158 3.25%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $340,000 $170,000 $9,791 3.25%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $320,000 $160,000 $7,498 4.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $320,000 $160,000 $7,311 3.56%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $310,000 $155,000 $6,830 3.00%
WILLIAMSPORT, PA (FHA|USDA|VA) 2 $310,000 $155,000 $3,752 2.56%
MERCED, CA (FHA|USDA|VA) 2 $300,000 $150,000 $5,272 3.50%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $295,000 $295,000 $10,454 3.25%
YUMA, AZ (FHA|USDA|VA) 1 $295,000 $295,000 $9,273 2.88%
LYNCHBURG, VA (FHA|USDA|VA) 2 $290,000 $145,000 $6,516 3.19%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $290,000 $145,000 $4,326 3.63%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $280,000 $140,000 $4,864 3.25%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $275,000 $275,000 $5,051 3.63%
BANGOR, ME (FHA|USDA|VA) 1 $275,000 $275,000 $3,790 3.38%
SPRINGFIELD, IL (FHA|USDA|VA) 2 $270,000 $135,000 $7,045 3.75%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $270,000 $135,000 $0 5.50%
NAPA, CA (FHA|USDA|VA) 1 $265,000 $265,000 $11,358 2.99%
WILMINGTON, NC (FHA|USDA|VA) 1 $265,000 $265,000 $10,533 2.88%
LONGVIEW, TX (FHA|USDA|VA) 2 $260,000 $130,000 $5,386 3.38%
MADERA, CA (FHA|USDA|VA) 1 $245,000 $245,000 $7,526 3.13%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $245,000 $245,000 $5,938 3.00%
BATTLE CREEK, MI (FHA|USDA|VA) 2 $220,000 $110,000 $3,944 3.63%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $215,000 $215,000 $13,190 2.88%
ERIE, PA (FHA|USDA|VA) 1 $205,000 $205,000 $3,948 2.63%
ROCKFORD, IL (FHA|USDA|VA) 1 $205,000 $205,000 $9,620 3.38%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $205,000 $205,000 $7,777 2.63%
MUNCIE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $6,532 2.99%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $205,000 $205,000 $6,403 3.63%
GADSDEN, AL (FHA|USDA|VA) 1 $205,000 $205,000 $6,172 2.99%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $205,000 $205,000 $8,488 2.88%
STAUNTON, VA (FHA|USDA|VA) 1 $205,000 $205,000 $4,715 2.99%
FORT WAYNE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $8,166 3.75%
DECATUR, IL (FHA|USDA|VA) 1 $205,000 $205,000 $5,984 3.63%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $7,408 2.88%
JACKSON, MI (FHA|USDA|VA) 1 $195,000 $195,000 $8,110 4.13%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $195,000 $195,000 $7,382 3.63%
LAFAYETTE, LA (FHA|USDA|VA) 2 $190,000 $95,000 $5,508 3.13%
BURLINGTON, NC (FHA|USDA|VA) 1 $185,000 $185,000 $6,555 3.88%
MIDLAND, MI (FHA|USDA|VA) 1 $175,000 $175,000 $2,831 3.63%
KINGSTON, NY (FHA|USDA|VA) 1 $175,000 $175,000 $4,367 3.50%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $165,000 $165,000 $7,539 3.00%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $165,000 $165,000 $7,622 2.99%
SUMTER, SC (FHA|USDA|VA) 1 $165,000 $165,000 $4,390 3.99%
BOULDER, CO (FHA|USDA|VA) 1 $165,000 $165,000 $7,830 3.25%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $165,000 $165,000 $8,242 3.13%
PEORIA, IL (FHA|USDA|VA) 1 $155,000 $155,000 $3,591 3.63%
APPLETON, WI (FHA|USDA|VA) 1 $155,000 $155,000 $7,179 3.63%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $155,000 $155,000 $7,429 4.13%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $155,000 $155,000 $6,260 3.25%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $155,000 $155,000 $4,707 3.50%
SAGINAW, MI (FHA|USDA|VA) 2 $150,000 $75,000 $4,555 3.81%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $145,000 $145,000 $6,030 3.13%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $145,000 $145,000 $8,956 3.63%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $125,000 $125,000 $8,358 4.75%
SYRACUSE, NY (FHA|USDA|VA) 1 $125,000 $125,000 $7,051 2.88%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,882 3.63%
MONROE, MI (FHA|USDA|VA) 1 $125,000 $125,000 $6,893 3.50%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $125,000 $125,000 $7,554 3.88%
MANSFIELD, OH (FHA|USDA|VA) 1 $115,000 $115,000 $6,681 3.13%
DULUTH, MN-WI (FHA|USDA|VA) 1 $115,000 $115,000 $6,363 3.25%
DOTHAN, AL (FHA|USDA|VA) 1 $115,000 $115,000 $5,066 3.63%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $115,000 $115,000 $4,813 3.88%
JACKSON, MS (FHA|USDA|VA) 1 $115,000 $115,000 $6,408 3.50%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $105,000 $105,000 $6,597 2.88%
GOLDSBORO, NC (FHA|USDA|VA) 1 $105,000 $105,000 $3,451 2.75%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $85,000 $85,000 $4,990 3.63%
JOHNSTOWN, PA (FHA|USDA|VA) 1 $65,000 $65,000 $5,411 3.63%

Emm Loans 's top markets include Montgomery County, Boston, Baltimore, Cambridge, and Rockingham County among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 8,865 $2,414,775,000 $272,394 $5,997 3.28%
FHA 1,514 $355,060,000 $234,518 $9,704 3.33%
VA 547 $164,715,000 $301,124 $7,470 3.07%
USDA 216 $38,950,000 $180,324 $6,257 3.26%

For the 2020 period, Emm Loans 's most frequently originated loan type of loans were Conventional, with 8,865 originations. Their 2nd most popular type is FHA, with 1,514 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 6,548 $1,776,090,000 $271,242 $6,425 3.26%
Home Purchase 4,591 $1,197,385,000 $260,811 $6,849 3.30%
Other 3 $25,000 $8,333 $0 0.00%

For the 2020, Emm Loans 's most frequently cited loan purpose of loans were Refi, with 6,548 originations. The 2nd most popular reason of loans were Home Purchase, with 4,591 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 9,268 $2,516,680,000 $271,545 $6,886 3.34%
15 Year 994 $238,350,000 $239,789 $5,244 2.87%
20 Year 531 $140,825,000 $265,207 $5,491 3.15%
Other 236 $67,150,000 $284,534 $5,772 3.21%
10 Year 89 $10,225,000 $114,888 $2,766 2.57%
5 Year 21 $225,000 $10,714 $5 0.56%
3 Year 3 $45,000 $15,000 $0 0.00%

For the 2020, Emm Loans 's most frequently cited loan length of loans were 30 Year, with 9,268 originations. The 2nd most popular length of loans were 15 Year, with 994 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 3,148 $783,470,000 $248,879
$5k+ 2,846 $900,340,000 $316,353
$3k-4k 2,192 $542,660,000 $247,564
$<1k 1,440 $390,730,000 $271,340
$2k-3k 1,117 $257,675,000 $230,685

$6,886 of loans were Emm Loans 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 3,148 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 6,401 $1,718,745,000 $268,512
2.5-3% 3,653 $1,009,795,000 $276,429
4-5% 544 $127,790,000 $234,908
<2.5% 410 $97,350,000 $237,439
5-6% 96 $18,960,000 $197,500
6-7% 2 $580,000 $290,000

During 2020, Emm Loans 's average interest rate of loans were 3.34%, while their most frequently originated rate bucket of loans were 3-4%, with 6,401 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 6,012 $1,684,850,000 $280,248 $6,969 3.24%
$100k-200k 3,248 $514,400,000 $158,374 $5,420 3.35%
$400k-600k 1,315 $614,815,000 $467,540 $7,898 3.24%
$100,000 or less 378 $24,000,000 $63,492 $3,149 3.25%
$600k-1MM 180 $125,230,000 $695,722 $11,723 3.41%
$1MM+ 9 $10,205,000 $1,133,889 $24,396 3.29%

2020 saw Emm Loans place emphasis on $200k-400k loans with 6,012 originations, totaling $1,684,850,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 2,755 $588,555,000 $213,632 $6,556 3.28%
$100k-150k 2,302 $693,770,000 $301,377 $6,775 3.25%
$75k-100k 2,077 $541,015,000 $260,479 $6,765 3.30%
$50k or less 1,779 $313,755,000 $176,366 $5,996 3.29%
$150k-250k 1,612 $585,150,000 $362,996 $6,861 3.25%
$250k+ 617 $251,255,000 $407,220 $6,694 3.24%

Emm Loans lent most frequently to those with incomes in the $50k-75k range, with 2,755 originations. The second most popular income band? $100k-150k, with 2,302 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 4,000 $1,071,540,000 $267,885 $6,677 3.29%
<20% 3,870 $1,041,370,000 $269,088 $6,015 3.26%
30-36% 1,601 $419,785,000 $262,202 $6,944 3.29%
37% 199 $52,545,000 $264,045 $7,327 3.29%
36% 184 $49,110,000 $266,902 $7,145 3.26%
39% 179 $44,785,000 $250,196 $7,131 3.26%
38% 163 $42,485,000 $260,644 $8,190 3.30%
40% 136 $34,670,000 $254,926 $7,848 3.27%
41% 126 $34,930,000 $277,222 $7,693 3.31%
42% 109 $28,525,000 $261,697 $7,871 3.27%
44% 93 $22,555,000 $242,527 $7,931 3.40%
43% 86 $20,940,000 $243,488 $7,328 3.32%
45% 70 $17,370,000 $248,143 $7,614 3.21%
46% 64 $15,920,000 $248,750 $8,767 3.32%
49% 25 $6,745,000 $269,800 $7,299 2.99%
47% 23 $7,225,000 $314,130 $7,730 3.23%
48% 20 $5,470,000 $273,500 $8,510 3.34%
50-60% 20 $4,440,000 $222,000 $7,621 3.41%
>60% 2 $270,000 $135,000 $5,250 3.50%

Emm Loans lent most frequently to those with DTI ratios of 20-30%, with 4,000 originations. The next most common DTI ratio? <20%, with 3,870 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 9,343 $2,482,435,000 $265,700 $6,512 3.27%
Not provided 735 $212,565,000 $289,204 $6,144 3.25%
Black 747 $184,755,000 $247,329 $8,153 3.37%
Asian 285 $86,285,000 $302,754 $6,543 3.25%
American Indian 24 $5,660,000 $235,833 $6,164 3.38%
Native Hawaiian 8 $1,800,000 $225,000 $7,453 3.36%

Approval Rates

Total approvals of all applications
95.89%

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
81.40%

Emm Loans has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 11,142 $2,973,500,000 $266,873

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 17 $2,215,000 $130,294
Single Family (1-4 Units):Site-Built 11,125 $2,971,285,000 $267,082

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 298 $63,900,000 $214,430 $5,025 3.14%
40-60% 1,566 $399,940,000 $255,390 $5,761 3.15%
60-80% 4,335 $1,214,035,000 $280,054 $6,471 3.31%
80-100% 4,723 $1,242,435,000 $263,061 $7,002 3.30%
Over 100% 163 $50,425,000 $309,356 $10,493 3.11%
Under 20% 57 $2,765,000 $48,509 $954 2.09%