Lender in New Jersey · HMDA 2025
Emm Loans LLC mortgages in New Jersey
Emm Loans LLC's 2025 home-purchase and refinance lending in New Jersey, compared with all lenders in the state.
Emm Loans LLC originated 565 owner-occupied single-family loans in New Jersey from 625 completed applications.
Its median conventional purchase loan costs were $6,250 versus $6,720 for all New Jersey lenders, at a median 30-year fixed rate of 6.875% (New Jersey: 6.625%).
Loans in NJ
565
of 625 applications
Denial rate
5.7%
Purchase · NJ 8.4%
Rate spread
+0.35 pts
Conv. · NJ +0.12 pts
Loan amount
$355,000
Purchase · NJ $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 525 | 479 | 5.7% | 6.875% | +0.35 pts | $6,250 | $355,000 |
| Refinance | 100 | 86 | 8.0% | 6.875% | +0.44 pts | $6,490 | $345,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
New Jersey counties where Emm Loans LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Camden County | 13 | 121 | 1.9% |
| Burlington County | 15 | 108 | 1.7% |
| Gloucester County | 15 | 76 | 1.7% |
| Cumberland County | 15 | 21 | 1.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology