Emm Loans LLC: 2025 mortgage rates, costs & approvals
How Emm Loans LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: EMM LOANS LLC · LEI 549300EMNDEK4BA8WB53
In 2025, Emm Loans LLC originated 5,842 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 36 states — 107th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 17 basis points above the national median. Median conventional loan costs were $5,920, 6% higher than the national median ($5,570).
It denied 3.0% of completed home-purchase applications (all lenders: 8.5%).
How Emm Loans LLC priced home-purchase loans
| Purchase loans, 2025 | Emm Loans LLC | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.30 pts | +0.13 pts |
| Total loan costs · conventional | $5,920 | $5,570 |
| Total loan costs · FHA | $12,000 | $11,310 |
| Total loan costs · VA | $8,400 | $6,490 |
| Origination charges (all types) | $2,190 | $1,860 |
| Borrowers paying discount points | 46.6% | 51.3% |
| Points paid, when paid (% of loan) | 0.67% | 0.87% |
| Borrowers receiving lender credits | 38.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Emm Loans LLC denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Emm Loans LLC lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| New Hampshire | 744 | 779 | 1.5% | 6.750% | $4,610 |
| Florida | 658 | 743 | 4.8% | 6.625% | $6,900 |
| Pennsylvania | 641 | 684 | 3.6% | 6.625% | $7,000 |
| New Jersey | 565 | 625 | 5.7% | 6.875% | $6,250 |
| Vermont | 549 | 577 | 1.3% | 6.625% | $5,100 |
| Massachusetts | 454 | 479 | 0.8% | 6.875% | $6,790 |
| Georgia | 344 | 367 | 2.7% | 6.750% | $6,590 |
| Virginia | 338 | 363 | 2.4% | 6.625% | $6,550 |
| North Carolina | 281 | 303 | 0.8% | 6.625% | $5,170 |
| Maryland | 222 | 235 | 1.1% | 6.875% | $6,560 |
| South Carolina | 145 | 166 | 3.8% | 6.875% | $5,340 |
| Kentucky | 111 | 127 | 9.7% | 6.625% | $5,720 |
| Connecticut | 110 | 125 | 4.9% | 6.875% | $8,850 |
| Ohio | 99 | 114 | 9.5% | 6.875% | $5,030 |
| Alabama | 81 | 87 | 0.0% | 6.875% | $4,390 |
| New York | 75 | 88 | 1.8% | 6.875% | $5,640 |
| Michigan | 72 | 79 | 4.0% | 6.875% | $5,600 |
| Maine | 64 | 67 | 0.0% | 6.875% | $4,130 |
| Tennessee | 63 | 70 | 0.0% | 6.875% | — |
| Indiana | 39 | 46 | — | — | — |
| Delaware | 34 | 37 | 3.9% | — | — |
| Rhode Island | 29 | 31 | 0.0% | — | — |
| California | 21 | 24 | — | — | — |
| Illinois | 17 | 32 | — | — | — |
| Louisiana | 17 | 23 | — | — | — |
| Wisconsin | 10 | 12 | — | — | — |
| Arizona | 10 | 11 | — | — | — |
| Colorado | 9 | 12 | — | — | — |
| Texas | 9 | 10 | — | — | — |
| Arkansas | 7 | 12 | — | — | — |
| Oregon | 5 | 8 | — | — | — |
| Mississippi | 5 | 7 | — | — | — |
| Iowa | 5 | 6 | — | — | — |
| Minnesota | 4 | 7 | — | — | — |
| District of Columbia | 4 | 6 | — | — | — |
| South Dakota | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Emm Loans LLC's page for that state.
Counties where Emm Loans LLC is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Windsor County, VT | 1 | 113 | 18.4% |
| Orange County, VT | 1 | 37 | 14.1% |
| Grafton County, NH | 1 | 121 | 13.9% |
| Bedford County, PA | 1 | 55 | 13.0% |
| Sullivan County, NH | 2 | 58 | 11.7% |
| Rutland County, VT | 2 | 54 | 11.6% |
| Chittenden County, VT | 3 | 165 | 9.3% |
| Bennington County, VT | 2 | 19 | 8.5% |
| Grayson County, VA | 4 | 12 | 8.3% |
| Galax city, VA | 3 | 5 | 7.8% |
| Carroll County, VA | 4 | 22 | 7.7% |
| Washington County, VT | 5 | 50 | 7.4% |
| Surry County, NC | 4 | 52 | 7.2% |
| Grand Isle County, VT | 3 | 6 | 6.9% |
| Windham County, VT | 4 | 23 | 6.5% |
Check Emm Loans LLC yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300EMNDEK4BA8WB53.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Emm Loans LLC with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology