Lender in Florida · HMDA 2025
Emm Loans LLC mortgages in Florida
Emm Loans LLC's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Emm Loans LLC originated 658 owner-occupied single-family loans in Florida from 743 completed applications.
Its median conventional purchase loan costs were $6,900 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.625% (Florida: 6.625%).
Loans in FL
658
of 743 applications
Denial rate
4.8%
Purchase · FL 12.8%
Rate spread
+0.25 pts
Conv. · FL +0.14 pts
Loan amount
$325,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 646 | 587 | 4.8% | 6.625% | +0.25 pts | $6,900 | $325,000 |
| Refinance | 97 | 71 | 21.6% | 6.500% | +0.24 pts | $8,020 | $285,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Emm Loans LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| St. Johns County | 16 | 93 | 1.3% |
| Duval County | 17 | 184 | 1.4% |
| Putnam County | 18 | 6 | 1.0% |
| Bradford County | 21 | 3 | 1.2% |
| Baker County | 22 | 3 | 1.1% |
| Nassau County | 23 | 18 | 1.1% |
| Clay County | 24 | 34 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology