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EMM LOANS LLC
Independent Mortgage Company|Cherry Hill, NJ|Near-National
Loans Originated
4,892
Applications
6,794
Volume
$1 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar⭐USDA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.424%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,573
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
72.0%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
EMM LOANS LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Sound | Industry Standard | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Near-National · 50 metro areas · 37 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$350,589
Average Borrower Income
$141,501
Average Property Value
$451,192
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 2,968 | 60.7% | +0.438% | $2,597 |
FHA Loans | Strong | Exceptional | Sound | Strong | 1,438 | 29.4% | +0.558% | $2,598 |
VA Loans | Sound | Exceptional | Acceptable | Strong | 401 | 8.2% | -0.204% | $2,304 |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 23 | 0.5% | +0.578% | $1,812 |
USDA Loans | Strong | Exceptional | Sound | Strong | 62 | 1.3% | +0.289% | $2,420 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 4,038 | 82.5% | +0.430% | $2,591 |
Refinance | Acceptable | Strong | Mediocre | Sound | 854 | 17.5% | +0.376% | $2,428 |
Geographic Coverage
Metro Areas
49
States Served
37
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARAZCACOCTDCDEFLGAIAILINKYLAMAMDMEMIMNMSNCNHNJNYOHORPARISCTNTXVAVTWAWIWV
Top Metro Areas by Place Specialization Score
1
Manchester, NHMSA
Volume: 191Mix: 3.90%
Place Specialization
Exceptional
2
Macon, GAMSA
Volume: 103Mix: 2.11%
Place Specialization
Exceptional
3
Rockingham County, NHMSA
Volume: 205Mix: 4.19%
Place Specialization
Exceptional
4
Camden, NJ, NJMSA
Volume: 246Mix: 5.03%
Place Specialization
Strong
5
Burlington, VTMSA
Volume: 146Mix: 2.98%
Place Specialization
Strong
6
Lebanon, PA, PAMSA
Volume: 56Mix: 1.14%
Place Specialization
Strong
7
Jacksonville, FL, FLMSA
Volume: 193Mix: 3.95%
Place Specialization
Strong
8
Montgomery County, PAMSA
Volume: 141Mix: 2.88%
Place Specialization
Strong
9
Auburn, ALMSA
Volume: 56Mix: 1.14%
Place Specialization
Strong
10
Hilton Head Island, SCMSA
Volume: 69Mix: 1.41%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
NHState
Volume: 731Mix: 14.94%
Place Specialization
Exceptional
2
VTState
Volume: 431Mix: 8.81%
Place Specialization
Exceptional
3
NJState
Volume: 467Mix: 9.55%
Place Specialization
Strong
4
PAState
Volume: 514Mix: 10.51%
Place Specialization
Strong
5
MAState
Volume: 393Mix: 8.03%
Place Specialization
Strong
6
FLState
Volume: 554Mix: 11.32%
Place Specialization
Strong
7
GAState
Volume: 328Mix: 6.70%
Place Specialization
Strong
8
MDState
Volume: 188Mix: 3.84%
Place Specialization
Strong
9
VAState
Volume: 167Mix: 3.41%
Place Specialization
Strong
10
ALState
Volume: 108Mix: 2.21%
Place Specialization
Strong
Showing 10 of 30 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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