Emm Loans Mortgage Rates, Fees & Info
Cherry Hill, NJLEI: 549300EMNDEK4BA8WB53
Tax ID: 54-2070914
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Mortgage Data
Review & Overview
Emm Loans is a smaller mortgage company specializing in Home Purchase and Refi loans. Emm Loans has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Philadelphia, Baltimore, Port St. Lucie, Washington, and Pittsburgh among others. We have data for 331 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 | 6.72% | 4/22/24 |
| 30 Year Conventional Refi | 6.74% | 4/22/24 |
| 30 Year FHA Purchase | 7.22% | 4/22/24 |
| 30 Year FHA Refi | 6.81% | 4/22/24 |
| 30 Year VA Purchase | 6.15% | 4/22/24 |
| 30 Year VA Refi | 6.28% | 4/22/24 |
| 30 Year USDA Purchase | 6.63% | 4/22/24 |
| 15 Year Conventional Purchase | 6.00% | 4/22/24 |
| 15 Year Conventional Refi | 6.20% | 4/22/24 |
| 15 Year Cash-out Refi | 6.20% | 4/22/24 |
| 15 Year FHA Refi | 7.04% | 4/22/24 |
| 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
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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
4,436Origination Dollar Volume (All Markets)
$926,660,000Awards
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EMM LOANS - 2018
EMM LOANS is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 353 | $83,025,000 | $235,198 | $6,591 | 4.77% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 212 | $57,260,000 | $270,094 | $6,746 | 4.66% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 277 | $50,045,000 | $180,668 | $5,751 | 4.90% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 153 | $46,305,000 | $302,647 | $8,128 | 4.67% |
| PITTSBURGH, PA (FHA|USDA|VA) | 274 | $45,390,000 | $165,657 | $5,810 | 4.67% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 189 | $42,715,000 | $226,005 | $6,849 | 4.96% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 169 | $37,115,000 | $219,615 | $7,033 | 4.92% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 109 | $29,755,000 | $272,982 | $9,164 | 4.86% |
| Outside of Metro Areas | 159 | $24,625,000 | $154,874 | $5,516 | 4.64% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 96 | $23,490,000 | $244,688 | $6,667 | 4.66% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 68 | $23,200,000 | $341,176 | $9,988 | 4.81% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 132 | $22,740,000 | $172,273 | $5,920 | 5.15% |
| BATON ROUGE, LA (FHA|USDA|VA) | 108 | $21,850,000 | $202,315 | $7,253 | 4.97% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 73 | $21,165,000 | $289,932 | $7,534 | 4.76% |
| LANCASTER, PA (FHA|USDA|VA) | 94 | $17,590,000 | $187,128 | $6,499 | 4.81% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 70 | $15,760,000 | $225,143 | $7,046 | 4.90% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 83 | $14,065,000 | $169,458 | $5,674 | 4.71% |
| LEBANON, PA (FHA|USDA|VA) | 82 | $13,690,000 | $166,951 | $5,898 | 4.66% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 48 | $13,560,000 | $282,500 | $5,432 | 4.78% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 56 | $10,950,000 | $195,536 | $6,988 | 4.85% |
| LOUISVILLE, KY (FHA|USDA|VA) | 62 | $10,610,000 | $171,129 | $4,928 | 5.02% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 53 | $9,425,000 | $177,830 | $6,449 | 4.84% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 39 | $8,925,000 | $228,846 | $5,298 | 4.96% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 38 | $8,840,000 | $232,632 | $7,144 | 4.76% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 25 | $8,515,000 | $340,600 | $11,606 | 4.70% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 42 | $8,340,000 | $198,571 | $6,263 | 4.61% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 35 | $8,235,000 | $235,286 | $7,063 | 4.66% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 39 | $7,915,000 | $202,949 | $8,363 | 4.75% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 37 | $6,605,000 | $178,514 | $7,211 | 4.95% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 31 | $6,225,000 | $200,806 | $7,796 | 4.87% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 17 | $6,155,000 | $362,059 | $10,746 | 4.69% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 33 | $6,145,000 | $186,212 | $6,702 | 4.92% |
| Key West, FL (FHA|USDA|VA) | 15 | $6,075,000 | $405,000 | $6,908 | 5.07% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 32 | $5,220,000 | $163,125 | $6,129 | 4.87% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 18 | $5,050,000 | $280,556 | $8,062 | 4.83% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 27 | $4,665,000 | $172,778 | $5,309 | 5.26% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 19 | $4,395,000 | $231,316 | $7,766 | 4.88% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 13 | $4,235,000 | $325,769 | $6,195 | 4.86% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 12 | $4,150,000 | $345,833 | $6,964 | 4.72% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 17 | $3,925,000 | $230,882 | $7,890 | 4.86% |
| Indiana, PA (FHA|USDA|VA) | 32 | $3,720,000 | $116,250 | $6,959 | 4.79% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 11 | $3,615,000 | $328,636 | $10,195 | 4.71% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 18 | $3,610,000 | $200,556 | $5,737 | 4.55% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 19 | $3,505,000 | $184,474 | $5,719 | 4.99% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 20 | $3,490,000 | $174,500 | $6,098 | 5.17% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 17 | $3,475,000 | $204,412 | $8,251 | 4.82% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 16 | $3,430,000 | $214,375 | $7,125 | 4.77% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 16 | $3,430,000 | $214,375 | $7,410 | 5.00% |
| AKRON, OH (FHA|USDA|VA) | 35 | $3,335,000 | $95,286 | $4,638 | 5.08% |
| COLUMBUS, OH (FHA|USDA|VA) | 17 | $3,315,000 | $195,000 | $4,964 | 4.87% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 22 | $3,100,000 | $140,909 | $5,663 | 4.82% |
| DOVER, DE (FHA|USDA|VA) | 15 | $2,855,000 | $190,333 | $5,635 | 4.68% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 18 | $2,810,000 | $156,111 | $6,025 | 4.85% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 8 | $2,730,000 | $341,250 | $6,865 | 4.91% |
| RICHMOND, VA (FHA|USDA|VA) | 13 | $2,645,000 | $203,462 | $5,343 | 4.78% |
| READING, PA (FHA|USDA|VA) | 14 | $2,570,000 | $183,571 | $6,772 | 4.72% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 12 | $2,250,000 | $187,500 | $7,162 | 4.73% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 12 | $2,030,000 | $169,167 | $5,997 | 4.55% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 16 | $2,010,000 | $125,625 | $5,613 | 5.08% |
| SALINAS, CA (FHA|USDA|VA) | 7 | $1,975,000 | $282,143 | $7,187 | 5.16% |
| Easton, MD (FHA|USDA|VA) | 6 | $1,930,000 | $321,667 | $6,555 | 4.44% |
| UTICA-ROME, NY (FHA|USDA|VA) | 17 | $1,895,000 | $111,471 | $4,663 | 4.64% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 6 | $1,880,000 | $313,333 | $9,825 | 4.56% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 10 | $1,830,000 | $183,000 | $8,103 | 4.83% |
| Gloversville, NY (FHA|USDA|VA) | 15 | $1,715,000 | $114,333 | $4,831 | 4.75% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 9 | $1,695,000 | $188,333 | $6,650 | 4.78% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 7 | $1,645,000 | $235,000 | $6,612 | 4.80% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 7 | $1,605,000 | $229,286 | $6,060 | 4.70% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 6 | $1,540,000 | $256,667 | $10,390 | 4.71% |
| FRESNO, CA (FHA|USDA|VA) | 8 | $1,520,000 | $190,000 | $5,462 | 4.91% |
| TUCSON, AZ (FHA|USDA|VA) | 9 | $1,485,000 | $165,000 | $6,069 | 5.00% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $1,475,000 | $295,000 | $9,836 | 4.83% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 7 | $1,475,000 | $210,714 | $8,260 | 4.82% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 10 | $1,420,000 | $142,000 | $4,810 | 4.83% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 8 | $1,360,000 | $170,000 | $5,300 | 5.08% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 12 | $1,340,000 | $111,667 | $5,177 | 5.13% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 7 | $1,335,000 | $190,714 | $9,126 | 4.48% |
| Amsterdam, NY (FHA|USDA|VA) | 13 | $1,325,000 | $101,923 | $4,707 | 4.91% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 7 | $1,295,000 | $185,000 | $4,968 | 4.77% |
| OCALA, FL (FHA|USDA|VA) | 8 | $1,180,000 | $147,500 | $4,724 | 5.02% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $7,132 | 4.38% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 6 | $1,120,000 | $186,667 | $7,086 | 4.46% |
| NAPA, CA (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $10,567 | 5.13% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $6,950 | 4.90% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 6 | $1,050,000 | $175,000 | $5,487 | 5.08% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $7,388 | 4.43% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 7 | $1,035,000 | $147,857 | $5,377 | 4.64% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 6 | $1,030,000 | $171,667 | $7,175 | 4.81% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $9,822 | 5.09% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $16,335 | 4.94% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $6,534 | 4.93% |
| ROCHESTER, NY (FHA|USDA|VA) | 6 | $960,000 | $160,000 | $5,853 | 5.40% |
| ASHEVILLE, NC (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $11,619 | 4.84% |
| MADISON, WI (FHA|USDA|VA) | 6 | $940,000 | $156,667 | $5,793 | 4.94% |
| HAMMOND, LA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $9,039 | 5.33% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $7,937 | 4.88% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $7,627 | 4.73% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $6,067 | 4.58% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $5,223 | 4.95% |
| BEND, OR (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $6,666 | 5.09% |
| REDDING, CA (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $5,038 | 4.88% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $6,436 | 5.10% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 6 | $820,000 | $136,667 | $4,938 | 4.96% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $6,926 | 4.58% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $5,964 | 4.85% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 6 | $770,000 | $128,333 | $5,111 | 4.50% |
| Cambridge, MD (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $6,694 | 5.00% |
| Wooster, OH (FHA|USDA|VA) | 6 | $750,000 | $125,000 | $6,206 | 5.08% |
| MERCED, CA (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $4,907 | 5.41% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $5,806 | 4.66% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $6,520 | 5.00% |
| Ukiah, CA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $8,321 | 4.88% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $4,704 | 5.75% |
| LYNCHBURG, VA (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $4,657 | 4.34% |
| GETTYSBURG, PA (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $6,709 | 4.63% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $7,422 | 5.08% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 5 | $645,000 | $129,000 | $5,403 | 4.83% |
| MOBILE, AL (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $5,977 | 5.16% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $7,950 | 5.19% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $5,497 | 4.94% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $6,226 | 4.59% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $7,328 | 4.34% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $8,054 | 5.33% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $4,576 | 4.90% |
| RACINE, WI (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,970 | 5.56% |
| DULUTH, MN-WI (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $7,041 | 4.69% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $10,914 | 4.71% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $5,542 | 5.03% |
| MUSKEGON, MI (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $9,969 | 4.33% |
| Enterprise, AL (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $5,394 | 5.25% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $4,854 | 4.34% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $11,902 | 4.75% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $5,845 | 4.63% |
| HARRISONBURG, VA (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $4,893 | 4.91% |
| FLINT, MI (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $4,725 | 4.97% |
| MEDFORD, OR (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $5,072 | 4.97% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 5 | $545,000 | $109,000 | $5,827 | 4.75% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $6,439 | 4.79% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $4,395 | 4.59% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $6,248 | 4.96% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $4,982 | 4.88% |
| New Castle, PA (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $3,631 | 4.59% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $3,738 | 5.21% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,837 | 4.88% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $11,110 | 4.94% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,185 | 5.50% |
| Torrington, CT (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $5,001 | 4.88% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,322 | 4.31% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $6,576 | 4.54% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $23,311 | 4.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,840 | 5.38% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $5,982 | 4.29% |
| Hudson, NY (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,549 | 4.63% |
| Huntingdon, PA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,130 | 4.94% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $6,474 | 4.96% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $9,134 | 4.50% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $5,735 | 4.79% |
| Pottsville, PA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $4,566 | 4.83% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $9,031 | 4.81% |
| ROCKFORD, IL (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $5,193 | 4.58% |
| Salem, OH (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $6,331 | 5.00% |
| Oneonta, NY (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $4,116 | 4.81% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $7,373 | 4.31% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $5,186 | 4.67% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,583 | 4.75% |
| JACKSON, MI (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $3,854 | 4.92% |
| Hood River, OR (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $6,211 | 5.00% |
| Murray, KY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,427 | 5.63% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $8,579 | 4.63% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,654 | 4.81% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,550 | 5.00% |
| SALEM, OR (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $8,104 | 5.06% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $10,088 | 4.81% |
| GLENS FALLS, NY (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $8,275 | 5.44% |
| Dublin, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $6,895 | 5.13% |
| Richmond-Berea, KY (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $4,523 | 5.17% |
| ALTOONA, PA (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $4,423 | 4.75% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $4,990 | 4.38% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $8,752 | 4.94% |
| Concord, NH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $450 | 4.50% |
| Holland, MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $13,434 | 3.63% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,826 | 4.00% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,486 | 5.06% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,453 | 5.13% |
| Troy, AL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,987 | 5.00% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,773 | 4.63% |
| Cullman, AL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,832 | 4.25% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,341 | 4.63% |
| Danville, VA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,748 | 5.50% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,975 | 5.25% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $7,105 | 4.56% |
| MADERA, CA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $6,168 | 4.44% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $8,200 | 4.63% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,239 | 4.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,737 | 5.25% |
| Palestine, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,616 | 5.88% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,271 | 3.38% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $8,272 | 5.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $7,435 | 5.06% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,532 | 4.94% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $12,117 | 5.13% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,330 | 4.63% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,715 | 5.31% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,882 | 4.50% |
| Palatka, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,397 | 5.50% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,023 | 4.94% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,665 | 5.13% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,891 | 4.38% |
| Sonora, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,907 | 4.50% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $5,502 | 4.44% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,479 | 4.69% |
| CHICO, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,968 | 3.88% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,119 | 5.25% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,115 | 4.88% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,715 | 3.88% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $4,445 | 5.06% |
| LAREDO, TX (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $5,705 | 5.18% |
| Crossville, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,046 | 3.38% |
| Urbana, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,368 | 4.63% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,292 | 5.63% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,322 | 4.75% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,009 | 4.50% |
| Bennington, VT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,522 | 4.50% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,011 | 4.50% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $3,894 | 4.93% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,741 | 4.63% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,154 | 4.63% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $12,825 | 4.13% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,854 | 5.25% |
| Bedford, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,101 | 4.38% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,043 | 4.88% |
| Dyersburg, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,140 | 3.88% |
| Edwards, CO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,574 | 4.88% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,613 | 5.25% |
| Marquette, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,281 | 5.38% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,547 | 4.50% |
| Ozark, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,333 | 5.13% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,187 | 5.13% |
| Boone, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,028 | 4.88% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,541 | 6.25% |
| Albert Lea, MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,931 | 3.88% |
| Picayune, MS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,517 | 3.75% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,068 | 5.25% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,486 | 5.13% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,005 | 4.88% |
| Seneca, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,741 | 4.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,839 | 5.75% |
| Athens, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,213 | 5.63% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,131 | 4.63% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,402 | 5.63% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $12,003 | 5.63% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $10,973 | 4.63% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,773 | 6.13% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $10,342 | 4.50% |
| Brevard, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,533 | 4.88% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,642 | 4.88% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,041 | 4.88% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,908 | 5.13% |
| Hillsdale, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,878 | 5.25% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $10,780 | 4.13% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,637 | 4.63% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,629 | 4.38% |
| Crawfordsville, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,170 | 5.50% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,786 | 5.13% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,424 | 5.25% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,854 | 5.88% |
| Meridian, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $11,576 | 4.00% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $899 | 5.63% |
| Carroll, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,057 | 3.88% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,537 | 4.75% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,209 | 5.25% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,301 | 5.50% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,582 | 4.50% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,512 | 5.88% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,234 | 4.50% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,095 | 5.00% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,737 | 5.25% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,422 | 5.25% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,913 | 4.75% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,623 | 4.38% |
| MONROE, LA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,812 | 5.25% |
| Bogalusa, LA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $9,653 | 4.63% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,166 | 4.25% |
| Jasper, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,126 | 4.38% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,318 | 4.88% |
| Rutland, VT (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,928 | 4.25% |
| Findlay, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,183 | 4.88% |
| Oil City, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,779 | 4.88% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,628 | 4.75% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,885 | 4.75% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,499 | 4.63% |
| Marion, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,805 | 4.50% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,539 | 5.63% |
| Spencer, IA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,401 | 5.13% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,148 | 5.25% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,918 | 4.88% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,353 | 5.25% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,252 | 5.25% |
| ELMIRA, NY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,298 | 4.38% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,194 | 4.00% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,492 | 4.88% |
| Lewistown, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,472 | 4.50% |
| WACO, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,482 | 4.75% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,992 | 4.88% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,808 | 4.38% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,725 | 5.00% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,172 | 3.88% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,640 | 4.50% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $8,322 | 4.50% |
| Sunbury, PA (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $4,762 | 4.56% |
| Auburn, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,181 | 5.50% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,364 | 5.38% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,342 | 3.63% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,525 | 4.13% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,793 | 4.88% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,569 | 5.25% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,248 | 4.38% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,385 | 4.50% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,201 | 5.25% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,138 | 3.88% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,897 | 4.75% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,171 | 4.88% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,170 | 5.88% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,533 | 5.13% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,774 | 5.13% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,432 | 5.00% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,541 | 4.75% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,473 | 4.75% |
| Corning, NY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,700 | 4.75% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,807 | 5.63% |
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Product Mix
For 2018, Emm Loans's most frequently originated type of loan was Conventional, with 2,700 originations. Their 2nd most popular type was FHA, with 1,250 originations.
Loan Reason
For 2018, Emm Loans's most frequently cited loan purpose was Home Purchase, with 2,508 originations. The 2nd most popular reason was Refi, with 1,732 originations.
Loan Duration/Length
For 2018, Emm Loans's most frequently cited loan duration was 30 Year, with 4,030 originations. The 2nd most popular length was 15 Year, with 238 originations.
Origination Fees/Closing Costs
Emm Loans's average total fees were $6,671, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,408 originations.
Interest Rates
During 2018, Emm Loans's average interest rate for loans was 4.86%, while their most frequently originated rate bucket for loans was 4-5%, with 2,844 originations.
Loan Sizing
2018 saw Emm Loans place emphasis on $100k-200k loans with 2,095 originations, totaling $315,025,000 in origination value.
Applicant Income
Emm Loans lent most frequently to those with incomes in the $50k-75k range, with 1,349 originations. The second most popular income band? $50k or less, with 1,260 originations.
Applicant Debt to Income Ratio
Emm Loans lent most frequently to those with DTI ratios of 20-30%, with 657 originations. The next most common DTI ratio? 30-36%, with 642 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.06%
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 origination81.20%
Emm Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,436 | $926,660,000 | $208,895 |