Emm Loans Mortgage Rates, Fees & Info
Cherry Hill, NJLEI: 549300EMNDEK4BA8WB53
Tax ID: 54-2070914
3.3 stars - Updated: 7/7/25
-
out of 5 stars, based on 73 reviews
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Emm Loans is a small mortgage company specializing in Home Purchase 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: Boston, Philadelphia, Lebanon, New York, and Manchester among others. We have data for 284 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 an average 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 | 7.15% | 7/7/25 |
| 30 Year Conventional Refi | 7.11% | 7/7/25 |
| 30 Year FHA Purchase | 7.28% | 7/7/25 |
| 30 Year FHA Refi | 7.03% | 7/7/25 |
| 30 Year VA Purchase | 6.54% | 7/7/25 |
| 30 Year VA Refi | 6.54% | 7/7/25 |
| 30 Year USDA Purchase | 6.97% | 7/7/25 |
| 15 Year Conventional Purchase | 6.09% | 7/7/25 |
| 15 Year Conventional Refi | 6.50% | 7/7/25 |
| 15 Year Cash-out Refi | 6.50% | 7/7/25 |
| 15 Year FHA Refi | 7.10% | 7/7/25 |
| 15 Year VA Purchase | 6.13% | 7/7/25 |
| 15 Year VA Refi | 6.00% | 7/7/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Emm Loans Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Emm Loans. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
5,285Origination Dollar Volume (All Markets)
$1,802,185,000Awards
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EMM LOANS - 2024
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For 2024, less than of lenders were eligible for this award.
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Relative Rate
Emm Loans's average 30 year fixed mortgage rate was
6.66%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.11%.
Relative Fees (Closing Costs)
Emm Loans's average total fees/closing costs for a 30 year fixed rate
mortgage were $9,739.
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 $8,356.
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 |
|---|---|---|---|---|---|
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 458 | $230,250,000 | $502,729 | $9,203 | 6.85% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 560 | $182,770,000 | $326,375 | $9,580 | 6.28% |
| Lebanon, NH-VT (FHA|USDA|VA) | 320 | $114,570,000 | $358,031 | $6,313 | 6.76% |
| Outside of Metro Areas | 345 | $94,695,000 | $274,478 | $8,787 | 6.68% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 200 | $90,690,000 | $453,450 | $13,305 | 6.73% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 196 | $79,930,000 | $407,806 | $8,714 | 6.79% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 202 | $71,650,000 | $354,703 | $11,291 | 6.62% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 149 | $57,385,000 | $385,134 | $6,811 | 6.59% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 115 | $47,085,000 | $409,435 | $14,115 | 6.50% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 106 | $40,240,000 | $379,623 | $11,131 | 6.51% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 97 | $38,995,000 | $402,010 | $6,785 | 7.06% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 95 | $33,215,000 | $349,632 | $11,160 | 6.51% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 62 | $29,050,000 | $468,548 | $15,138 | 6.49% |
| Concord, NH (FHA|USDA|VA) | 81 | $29,035,000 | $358,457 | $7,204 | 6.91% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 89 | $28,685,000 | $322,303 | $9,846 | 6.55% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 109 | $28,625,000 | $262,615 | $6,896 | 6.85% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 73 | $25,125,000 | $344,178 | $9,325 | 6.06% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 68 | $23,200,000 | $341,176 | $12,538 | 6.50% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 62 | $22,440,000 | $361,935 | $9,087 | 6.33% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 60 | $18,590,000 | $309,833 | $7,034 | 6.80% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 74 | $17,420,000 | $235,405 | $8,644 | 6.26% |
| LOUISVILLE, KY (FHA|USDA|VA) | 77 | $14,765,000 | $191,753 | $6,047 | 6.16% |
| Barre, VT (FHA|USDA|VA) | 44 | $14,670,000 | $333,409 | $7,652 | 6.39% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 37 | $13,375,000 | $361,486 | $6,492 | 6.74% |
| LANCASTER, PA (FHA|USDA|VA) | 43 | $13,215,000 | $307,326 | $9,050 | 6.64% |
| LYNCHBURG, VA (FHA|USDA|VA) | 48 | $12,730,000 | $265,208 | $7,963 | 6.55% |
| Mount Airy, NC (FHA|USDA|VA) | 47 | $12,585,000 | $267,766 | $8,663 | 6.66% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 50 | $12,560,000 | $251,200 | $9,583 | 6.26% |
| Laconia, NH (FHA|USDA|VA) | 31 | $12,425,000 | $400,806 | $7,791 | 6.82% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 43 | $12,375,000 | $287,791 | $9,429 | 5.99% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 42 | $12,110,000 | $288,333 | $9,720 | 6.52% |
| LEBANON, PA (FHA|USDA|VA) | 78 | $11,810,000 | $151,410 | $6,140 | 4.89% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 44 | $11,580,000 | $263,182 | $10,318 | 6.87% |
| Rutland, VT (FHA|USDA|VA) | 35 | $11,375,000 | $325,000 | $6,973 | 6.99% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 26 | $10,820,000 | $416,154 | $9,180 | 7.13% |
| St. Marys, GA (FHA|USDA|VA) | 34 | $10,000,000 | $294,118 | $8,933 | 6.81% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 25 | $8,745,000 | $349,800 | $12,039 | 6.30% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 38 | $8,730,000 | $229,737 | $8,202 | 6.80% |
| SAVANNAH, GA (FHA|USDA|VA) | 30 | $8,420,000 | $280,667 | $8,735 | 6.52% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 20 | $7,580,000 | $379,000 | $7,763 | 7.13% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 25 | $7,045,000 | $281,800 | $11,112 | 5.97% |
| Keene, NH (FHA|USDA|VA) | 21 | $6,905,000 | $328,810 | $5,654 | 7.06% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 22 | $6,810,000 | $309,545 | $6,860 | 6.88% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 25 | $6,655,000 | $266,200 | $7,240 | 6.61% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 15 | $6,285,000 | $419,000 | $9,296 | 6.90% |
| COLUMBUS, OH (FHA|USDA|VA) | 15 | $6,045,000 | $403,000 | $7,803 | 6.94% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 18 | $5,660,000 | $314,444 | $13,124 | 6.19% |
| Bennington, VT (FHA|USDA|VA) | 15 | $5,355,000 | $357,000 | $7,934 | 6.75% |
| KNOXVILLE, TN (FHA|USDA|VA) | 18 | $5,330,000 | $296,111 | $9,733 | 6.65% |
| READING, PA (FHA|USDA|VA) | 19 | $5,285,000 | $278,158 | $10,096 | 6.68% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 13 | $5,165,000 | $397,308 | $11,026 | 6.94% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 12 | $4,870,000 | $405,833 | $12,408 | 6.08% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 21 | $4,825,000 | $229,762 | $6,339 | 6.89% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 14 | $4,370,000 | $312,143 | $12,371 | 6.56% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 15 | $4,355,000 | $290,333 | $6,965 | 6.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 15 | $4,355,000 | $290,333 | $11,472 | 6.42% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 16 | $4,190,000 | $261,875 | $11,374 | 6.54% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 11 | $4,025,000 | $365,909 | $11,269 | 5.97% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 14 | $3,840,000 | $274,286 | $13,659 | 6.07% |
| OCALA, FL (FHA|USDA|VA) | 14 | $3,830,000 | $273,571 | $12,069 | 6.77% |
| MONTGOMERY, AL (FHA|USDA|VA) | 9 | $3,765,000 | $418,333 | $14,762 | 6.87% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 7 | $3,605,000 | $515,000 | $7,381 | 7.05% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 10 | $3,560,000 | $356,000 | $8,387 | 7.36% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 7 | $3,475,000 | $496,429 | $8,164 | 6.32% |
| LaGrange, GA-AL (FHA|USDA|VA) | 14 | $3,460,000 | $247,143 | $8,385 | 6.40% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 8 | $3,390,000 | $423,750 | $11,341 | 6.53% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 10 | $3,310,000 | $331,000 | $20,606 | 6.16% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 15 | $3,285,000 | $219,000 | $11,526 | 6.34% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 9 | $3,185,000 | $353,889 | $8,039 | 6.99% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 13 | $3,115,000 | $239,615 | $14,946 | 6.09% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 11 | $3,105,000 | $282,273 | $14,209 | 6.40% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 14 | $3,080,000 | $220,000 | $12,257 | 6.27% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 14 | $3,020,000 | $215,714 | $9,794 | 6.44% |
| Statesboro, GA (FHA|USDA|VA) | 8 | $2,790,000 | $348,750 | $9,682 | 6.34% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 13 | $2,695,000 | $207,308 | $6,810 | 5.34% |
| Berlin, NH (FHA|USDA|VA) | 10 | $2,670,000 | $267,000 | $7,438 | 6.50% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 11 | $2,485,000 | $225,909 | $8,286 | 6.02% |
| RICHMOND, VA (FHA|USDA|VA) | 6 | $2,440,000 | $406,667 | $8,992 | 6.54% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 7 | $2,255,000 | $322,143 | $10,874 | 6.86% |
| PANAMA CITY, FL (FHA|USDA|VA) | 11 | $2,205,000 | $200,455 | $6,974 | 5.52% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $2,110,000 | $351,667 | $20,464 | 5.79% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 7 | $2,105,000 | $300,714 | $9,665 | 6.18% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 8 | $1,960,000 | $245,000 | $12,901 | 6.26% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 7 | $1,935,000 | $276,429 | $8,782 | 5.91% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 8 | $1,890,000 | $236,250 | $14,353 | 6.09% |
| AKRON, OH (FHA|USDA|VA) | 8 | $1,840,000 | $230,000 | $10,370 | 6.36% |
| GAINESVILLE, FL (FHA|USDA|VA) | 4 | $1,840,000 | $460,000 | $16,448 | 6.75% |
| JACKSON, MS (FHA|USDA|VA) | 7 | $1,755,000 | $250,714 | $11,827 | 6.70% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 6 | $1,750,000 | $291,667 | $18,354 | 5.75% |
| BATON ROUGE, LA (FHA|USDA|VA) | 8 | $1,750,000 | $218,750 | $13,027 | 6.34% |
| Cambridge, MD (FHA|USDA|VA) | 7 | $1,705,000 | $243,571 | $7,971 | 6.77% |
| Pottsville, PA (FHA|USDA|VA) | 7 | $1,645,000 | $235,000 | $8,401 | 6.89% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 6 | $1,570,000 | $261,667 | $8,764 | 6.81% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 7 | $1,525,000 | $217,857 | $12,356 | 6.34% |
| Lumberton, NC (FHA|USDA|VA) | 9 | $1,485,000 | $165,000 | $9,282 | 6.46% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $11,480 | 6.19% |
| GETTYSBURG, PA (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $10,089 | 5.21% |
| Alexander City, AL (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $8,260 | 6.70% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $13,200 | 5.77% |
| Sevierville, TN (FHA|USDA|VA) | 6 | $1,280,000 | $213,333 | $11,479 | 6.81% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $16,074 | 6.20% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 7 | $1,275,000 | $182,143 | $8,044 | 5.57% |
| DOVER, DE (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $15,777 | 6.34% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 2 | $1,260,000 | $630,000 | $16,274 | 6.19% |
| FLINT, MI (FHA|USDA|VA) | 6 | $1,250,000 | $208,333 | $7,204 | 5.54% |
| GREENVILLE, NC (FHA|USDA|VA) | 7 | $1,215,000 | $173,571 | $9,392 | 6.02% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 6 | $1,180,000 | $196,667 | $8,314 | 7.15% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $10,085 | 6.96% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $10,449 | 6.53% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $26,023 | 6.63% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $15,490 | 6.19% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $20,027 | 5.83% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $9,475 | 6.81% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $6,618 | 7.34% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $5,070 | 7.19% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $21,851 | 6.25% |
| Lake City, FL (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $7,317 | 6.63% |
| PITTSBURGH, PA (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $11,194 | 6.17% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $11,124 | 6.12% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $4,263 | 7.04% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $6,081 | 6.38% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $11,271 | 6.75% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $7,467 | 6.44% |
| Palatka, FL (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $9,795 | 6.71% |
| Cedartown, GA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $9,236 | 6.69% |
| Hudson, NY (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $9,164 | 6.69% |
| Easton, MD (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $11,275 | 6.38% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $6,992 | 6.50% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $0 | 7.50% |
| DOTHAN, AL (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $17,059 | 6.25% |
| MADISON, WI (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $15,073 | 5.96% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $27,591 | 5.88% |
| HAMMOND, LA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $15,987 | 6.56% |
| Wilson, NC (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $9,224 | 5.88% |
| Seneca, SC (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $5,704 | 7.38% |
| Safford, AZ (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $28,091 | 6.63% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $12,580 | 6.17% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $19,798 | 5.93% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,125 | 6.44% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $15,251 | 6.20% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $7,115 | 7.44% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $24,260 | 6.88% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $9,482 | 6.25% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $14,796 | 6.38% |
| UTICA-ROME, NY (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $14,097 | 6.56% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $9,625 | 6.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $17,377 | 5.99% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $12,453 | 6.49% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $15,517 | 6.31% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $5,199 | 7.63% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $15,943 | 5.63% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $16,864 | 6.13% |
| ALTOONA, PA (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $5,654 | 6.38% |
| Somerset, PA (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $7,188 | 6.33% |
| Boone, NC (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $13,233 | 7.63% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $13,557 | 6.75% |
| SYRACUSE, NY (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $8,262 | 7.08% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $6,977 | 6.99% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $9,980 | 6.69% |
| Huntingdon, PA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,315 | 6.06% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $2,801 | 4.50% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $11,266 | 6.69% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $13,325 | 6.56% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $14,748 | 6.19% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $24,864 | 5.63% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $14,466 | 6.06% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $8,078 | 5.63% |
| Thomaston, GA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,706 | 7.06% |
| Ludington, MI (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $12,008 | 6.56% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $19,744 | 6.50% |
| Brevard, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $8,765 | 7.63% |
| Brownsville, TN (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $12,547 | 6.25% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $11,649 | 6.63% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $12,902 | 8.63% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $15,365 | 6.13% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $11,628 | 6.31% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $11,109 | 6.25% |
| Sanford, NC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $10,916 | 7.63% |
| BINGHAMTON, NY (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,984 | 6.88% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,819 | 6.25% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $20,148 | 5.75% |
| Newberry, SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,920 | 6.63% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,556 | 7.13% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $14,048 | 6.63% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $28,604 | 5.88% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $22,594 | 5.99% |
| Waycross, GA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $13,562 | 6.99% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,223 | 6.50% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $22,123 | 5.88% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $19,813 | 5.99% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $15,856 | 6.50% |
| Okeechobee, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $11,631 | 6.00% |
| Albertville, AL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $20,613 | 5.38% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,697 | 6.88% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $20,603 | 5.99% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $9,203 | 6.19% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $20,521 | 5.99% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $19,883 | 6.25% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $16,644 | 5.99% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $19,954 | 6.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,427 | 7.38% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,484 | 6.25% |
| Lewisburg, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,579 | 7.38% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,278 | 7.38% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $16,645 | 5.99% |
| Salem, OH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,757 | 6.50% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $18,051 | 5.38% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $16,589 | 6.25% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $16,981 | 5.99% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,818 | 7.13% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $17,781 | 5.99% |
| RACINE, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $16,866 | 6.25% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,275 | 6.63% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $14,865 | 5.25% |
| Jesup, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,350 | 7.13% |
| Payson, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $16,332 | 5.88% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $15,488 | 5.25% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $12,250 | 6.25% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 6.63% |
| GOLDSBORO, NC (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $5,306 | 6.75% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,836 | 6.25% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,054 | 7.50% |
| ROME, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $16,257 | 5.88% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,161 | 5.75% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $17,951 | 5.88% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,952 | 6.88% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $11,157 | 6.88% |
| Van Wert, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $13,985 | 5.99% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $15,073 | 5.99% |
| Fremont, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $14,037 | 6.75% |
| Kinston, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $50 | 5.99% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $14,468 | 5.99% |
| Winona, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $15,151 | 6.13% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $12,176 | 6.25% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,128 | 6.50% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,253 | 5.99% |
| Paragould, AR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $12,776 | 5.75% |
| Austin, MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,861 | 6.25% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $12,514 | 5.88% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,130 | 6.75% |
| NILES, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,698 | 5.88% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $12,259 | 5.99% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,413 | 7.38% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $13,606 | 6.25% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $12,274 | 6.25% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $13,737 | 5.88% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $12,594 | 6.13% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,456 | 6.13% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,633 | 6.50% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $13,519 | 5.99% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $12,442 | 5.38% |
| DUBUQUE, IA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $11,597 | 5.63% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $13,306 | 5.88% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $12,269 | 5.38% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $13,044 | 5.50% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,786 | 6.50% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $13,368 | 5.38% |
| Mayfield, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $11,068 | 5.88% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,173 | 7.13% |
| Picayune, MS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,544 | 7.13% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $12,227 | 5.38% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,109 | 5.88% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $12,416 | 5.75% |
| Athens, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $12,475 | 6.13% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $11,425 | 5.75% |
| Richmond, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $11,584 | 6.25% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $11,996 | 5.99% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $12,279 | 5.88% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $11,912 | 5.75% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,774 | 5.75% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $12,077 | 6.50% |
| Camden, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $11,394 | 6.25% |
| Cullman, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $10,556 | 6.25% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,113 | 7.13% |
| DuBois, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $11,916 | 5.88% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $9,343 | 5.63% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,978 | 6.25% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $10,003 | 5.99% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,886 | 6.99% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,971 | 6.13% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,792 | 6.99% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.63% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,726 | 6.75% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,314 | 7.63% |
Emm Loans's top markets include Boston, Philadelphia, Lebanon, New York, and Manchester among others.
Their top states include:New Hampshire
(FHA|USDA|VA)
Massachusetts
(FHA|USDA|VA)
Florida
(FHA|USDA|VA)
New Jersey
(FHA|USDA|VA)
Pennsylvania
(FHA|USDA|VA)
Their top states include:
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Product Mix
For 2024, Emm Loans's most frequently originated type of loan was Conventional, with 3,367 originations. Their 2nd most popular type was FHA, with 1,445 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 4,354 | $1,514,830,000 | $347,917 | $8,936 | 6.57% |
| Refi | 931 | $287,355,000 | $308,652 | $12,038 | 6.43% |
For 2024, Emm Loans's most frequently cited loan purpose was Home Purchase, with 4,354 originations. The 2nd most popular reason was Refi, with 931 originations.
Loan Duration/Length
For 2024, Emm Loans's most frequently cited loan duration was 30 Year, with 4,994 originations. The 2nd most popular length was 15 Year, with 97 originations.
Origination Fees/Closing Costs
Emm Loans's average total fees were $9,739, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,726 originations.
Interest Rates
During 2024, Emm Loans's average interest rate for loans was 6.66%, while their most frequently originated rate bucket for loans was 6-7%, with 3,033 originations.
Loan Sizing
2024 saw Emm Loans place emphasis on $200k-400k loans with 2,660 originations, totaling $776,230,000 in origination value.
Applicant Income
Emm Loans lent most frequently to those with incomes in the $100k-150k range, with 1,392 originations. The second most popular income band? $150k-250k, with 1,103 originations.
Applicant Debt to Income Ratio
Emm Loans lent most frequently to those with DTI ratios of 30-36%, with 728 originations. The next most common DTI ratio? 20-30%, with 658 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.02%
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 origination80.79%
Emm Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 5,285 | $1,802,185,000 | $341,000 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5,285 | $1,802,185,000 | $341,000 |