What loan types does EMM Loans offer?

EMM Loans offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does EMM Loans offer mortgages?

EMM Loans 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's mortgage rates?

EMM Loans has an overall pricing score of 30.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is EMM Loans?

EMM Loans is a Independent Mortgage Company headquartered in Cherry Hill, NJ.

Unclaimed

EMM Loans

Independent Mortgage Company•Cherry Hill, NJHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from EMM Loans — 4.9k loans across 7k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

Near-National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

USDA

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and USDA loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

EMM Loans performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+42.4 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Sound

Top 60% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Acceptable	Strong	2,968	60.7%	+0.438%Above	$2,597Fees
FHA Loans	Strong	Exceptional	Sound	Strong	1,438	29.4%	+0.558%Above	$2,598Fees
VA Loans	Strong	Exceptional	Acceptable	Strong	401	8.2%	-0.204%Below	$2,304Fees
Jumbo Loans	Acceptable	Sound	—	Acceptable	23	0.5%	+0.578%Above	$1,812Fees
USDA Loans	Strong	Exceptional	Sound	Strong	62	1.3%	+0.289%Above	$2,420Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume2,968

Mix60.7%

Spread

+0.438%Above

Fees

$2,597Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume1,438

Mix29.4%

Spread

+0.558%Above

Fees

$2,598Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume401

Mix8.2%

Spread

-0.204%Below

Fees

$2,304Fees

Jumbo Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume23

Mix0.5%

Spread

+0.578%Above

Fees

$1,812Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume62

Mix1.3%

Spread

+0.289%Above

Fees

$2,420Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	4,038	82.5%	+0.430%Above	$2,591Fees
Refinance	Sound	Strong	Mediocre	Sound	854	17.5%	+0.376%Above	$2,428Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume4,038

Mix82.5%

Spread

+0.430%Above

Fees

$2,591Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume854

Mix17.5%

Spread

+0.376%Above

Fees

$2,428Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

4,892

Applications

6,794

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.424%

vs. market APOR

Avg Net Fees

$2,573

Origination − Credits

Pullthrough Rate

72.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$350,589

Avg Borrower Income

$141,501

Avg Property Value

$451,192

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast9

CTMEMANHNJNYPARIVT

Midwest7

IAILINMIMNOHWI

South16

ALARDCDEFLGAKYLAMDMSNCSCTNTXVAWV

West5

AZCACOORWA

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0

Manchester, NHMetro

Volume 191Mix 3.90% of portfolio

89/100

Exceptional

2© Mihand35 · CC BY-SA 4.0

Macon, GAMetro

Volume 103Mix 2.11% of portfolio

87/100

Exceptional

3© John Phelan · CC BY-SA 3.0

Rockingham County, NHMetro

Volume 205Mix 4.19% of portfolio

86/100

Exceptional

Camden, NJMetro

Volume 246Mix 5.03% of portfolio

80/100

Strong

Burlington, VTMetro

Volume 146Mix 2.98% of portfolio

77/100

Strong

Lebanon, PAMetro

Volume 56Mix 1.14% of portfolio

74/100

Strong

Jacksonville, FLMetro

Volume 193Mix 3.95% of portfolio

74/100

Strong

Montgomery County, PAMetro

Volume 141Mix 2.88% of portfolio

74/100

Strong

Auburn, ALMetro

Volume 56Mix 1.14% of portfolio

71/100

Strong

Hilton Head Island, SCMetro

Volume 69Mix 1.41% of portfolio

70/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

New HampshireState

Volume 731Mix 14.94% of portfolio

94/100

Exceptional

VermontState

Volume 431Mix 8.81% of portfolio

88/100

Exceptional

New JerseyState

Volume 467Mix 9.55% of portfolio

79/100

Strong

PennsylvaniaState

Volume 514Mix 10.51% of portfolio

77/100

Strong

MassachusettsState

Volume 393Mix 8.03% of portfolio

75/100

Strong

FloridaState

Volume 554Mix 11.32% of portfolio

71/100

Strong

GeorgiaState

Volume 328Mix 6.70% of portfolio

71/100

Strong

MarylandState

Volume 188Mix 3.84% of portfolio

67/100

Strong

VirginiaState

Volume 167Mix 3.41% of portfolio

65/100

Strong

AlabamaState

Volume 108Mix 2.21% of portfolio

63/100

Strong

Showing 10 of 30 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.