# EMM LOANS LLC

> **Canonical URL:** https://saferate.com/lenders/emm-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


EMM LOANS LLC is a independent mortgage company, headquartered in Cherry Hill, NJ, serving borrowers across 37 states, with 4,892 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 69% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 23% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300EMNDEK4BA8WB53
- **Headquarters:** Cherry Hill, NJ
- **Geographic Reach:** Near-National
- **States Served:** 37
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, IN, KY, LA, MA, MD, ME, MI, MN, MS, NC, NH, NJ, NY, OH, OR, PA, RI, SC, TN, TX, VA, VT, WA, WI, WV
- **Markets (MSAs):** 50
- **Primary Channel:** mix
- **Direct Origination:** 40.5%
- **Brokered/Wholesale:** 59.5%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.424%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,573
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,892
- **Dollar Volume:** $1.7 billion
- **Applications Received:** 6,794
- **Market Share:** 14.00%

## Typical Borrower Profile

- **Average Loan Amount:** $350,589
- **Average Borrower Income:** $141,501
- **Average Property Value:** $451,192

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (62%)
- ⭐ **USDA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 83/100 | 2,968 | +0.438% | $2,597 | Exceptional 🤩 |
| FHA | 87/100 | 1,438 | +0.558% | $2,598 | Exceptional 🤩 |
| VA | 81/100 | 401 | -0.204% | $2,304 | Exceptional 🤩 |
| Jumbo | 47/100 | 23 | +0.578% | $1,812 | Sound ☺️ |
| USDA | 82/100 | 62 | +0.289% | $2,420 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,588 loans, Score: 84/100 (Exceptional)
- Refinance: 380 loans, Score: 73/100 (Strong)

**FHA:**
- Purchase: 1,003 loans, Score: 86/100 (Exceptional)
- Refinance: 435 loans, Score: 83/100 (Exceptional)

**VA:**
- Purchase: 365 loans, Score: 81/100 (Exceptional)
- Refinance: 36 loans, Score: 51/100 (Sound)

**Jumbo:**
- Purchase: 20 loans, Score: 46/100 (Sound)

**USDA:**
- Purchase: 62 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 84/100 | 4,038 | $1.5B | +0.430% | Exceptional 🤩 |
| Refinance | 77/100 | 854 | $263M | +0.376% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NH | 731 | 4.71% | 94/100 |
| FL | 554 | 0.19% | 71/100 |
| PA | 514 | 0.42% | 77/100 |
| NJ | 467 | 0.55% | 79/100 |
| VT | 431 | 7.37% | 88/100 |
| MA | 393 | 0.65% | 75/100 |
| GA | 328 | 0.24% | 71/100 |
| MD | 188 | 0.27% | 67/100 |
| VA | 167 | 0.15% | 65/100 |
| NC | 160 | 0.11% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,027 | 77/100 |
| Camden, NJ | NJ | 246 | 80/100 |
| Rockingham County | NH | 205 | 86/100 |
| Jacksonville, FL | FL | 193 | 74/100 |
| Manchester | NH | 191 | 89/100 |
| Burlington | VT | 146 | 77/100 |
| Montgomery County | PA | 141 | 74/100 |
| Cambridge | MA | 118 | 67/100 |
| Providence | RI-MA | 108 | 70/100 |
| Baltimore | MD | 104 | 64/100 |
| Macon | GA | 103 | 87/100 |
| Boston, MA | MA | 100 | 66/100 |
| New York | NY-NJ | 72 | 58/100 |
| Hilton Head Island | SC | 69 | 70/100 |
| Lakewood | NJ | 68 | 61/100 |

## Where This Lender Ranks

EMM LOANS LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Vermont for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/vermont/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Burlington for FHA Loans
  - [View Full Rankings](https://saferate.com/burlington/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Burlington for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/burlington/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Vermont for FHA Loans
  - [View Full Rankings](https://saferate.com/vermont/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Rockingham County for FHA Loans
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Rockingham County for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Manchester for FHA Loans
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Manchester for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Lebanon, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/lebanon-pa/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Lebanon, PA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lebanon-pa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in New Hampshire for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Vermont for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/vermont/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Macon for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/macon/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in New Hampshire for FHA Loans
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Burlington for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/burlington/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Macon for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/macon/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Macon for FHA Loans
  - [View Full Rankings](https://saferate.com/macon/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Vermont Mortgage Companies
  - [View Full Rankings](https://saferate.com/vermont/best-mortgage-lenders/mortgage-companies)
- 🏆 **#6** in Burlington for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/burlington/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#6** in Hilton Head Island for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hilton-head-island/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does EMM LOANS LLC offer?

EMM LOANS LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does EMM LOANS LLC offer mortgages?

EMM LOANS LLC offers mortgages in 37 states: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, IN, KY, LA, MA, MD, ME, MI, MN, MS, NC, NH, NJ, NY, OH, OR, PA, RI, SC, TN, TX, VA, VT, WA, WI, WV.

### How competitive are EMM LOANS LLC's mortgage rates?

EMM LOANS LLC has a pricing score of 31/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.424% above market average.

### What type of lender is EMM LOANS LLC?

EMM LOANS LLC is a non-depository lender that specializes in mortgage origination, headquartered in Cherry Hill, NJ.

### What is EMM LOANS LLC's loan approval success rate?

EMM LOANS LLC has a pull-through score of 77/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/emm-loans

### How to Cite

> "EMM LOANS LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/emm-loans

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