Lender in Maryland · HMDA 2025
Emm Loans LLC mortgages in Maryland
Emm Loans LLC's 2025 home-purchase and refinance lending in Maryland, compared with all lenders in the state.
Emm Loans LLC originated 222 owner-occupied single-family loans in Maryland from 235 completed applications.
Its median conventional purchase loan costs were $6,560 versus $6,150 for all Maryland lenders, at a median 30-year fixed rate of 6.875% (Maryland: 6.625%).
Loans in MD
222
of 235 applications
Denial rate
1.1%
Purchase · MD 8.6%
Rate spread
+0.39 pts
Conv. · MD +0.14 pts
Loan amount
$345,000
Purchase · MD $405,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 183 | 176 | 1.1% | 6.875% | +0.39 pts | $6,560 | $345,000 |
| Refinance | 52 | 46 | 5.8% | — | +0.38 pts | $9,060 | $325,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Maryland counties where Emm Loans LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Dorchester County | 9 | 13 | 2.6% |
| Cecil County | 18 | 18 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology