Emm Loans Mortgage Rates, Fees & Info
Cherry Hill, NJLEI: 549300EMNDEK4BA8WB53
Tax ID: 54-2070914
1 stars
2020 Data | 2019 Data | 2018 Data
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Mortgage 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
11,142Origination Dollar Volume (All Markets)
$2,973,500,000Awards
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EMM LOANS - 2020
EMM LOANS is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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 applications95.89%
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 origination81.40%
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% |