EMM LOANS LLC closing costs and rates (2024)
In 2024, EMM LOANS LLC originated 3,873 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $8,063. That ranks #123 nationally by origination volume. For total closing costs among lenders with 500+ originations, EMM LOANS LLC ranks #447. That is $1,322 above the national median of $6,741. EMM LOANS LLC is most active in New Hampshire with 625 originations there.
Purchase Originations
3,873
Ranked #123 nationally
Median Total Costs
$8,063
+19.6% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$2,845
Median Lender Credits
$1,160
Cost Rank (500+ vol.)
#447
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,444 | 6.875% | $6,235 | $2,997 |
| fha | 1,002 | 6.250% | $11,992 | $2,996 |
| va | 365 | 6.250% | $10,056 | $1,798 |
| usda | 62 | 6.250% | $7,539 | $2,494 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Hampshire | 625 | 6.750% | $5,683 | #3 |
| Pennsylvania | 468 | 6.625% | $8,947 | #47 |
| Florida | 461 | 6.625% | $10,391 | #96 |
| New Jersey | 376 | 6.688% | $7,932 | #44 |
| Vermont | 376 | 6.625% | $5,474 | #2 |
| Massachusetts | 290 | 6.625% | $9,722 | #36 |
| Georgia | 257 | 6.625% | $7,249 | #89 |
| Maryland | 150 | 6.500% | $10,687 | #78 |
| Virginia | 143 | 6.375% | $7,715 | #106 |
| North Carolina | 100 | 6.500% | $8,487 | #150 |
| Alabama | 91 | 6.625% | $6,783 | #99 |
| New York | 87 | 6.875% | $9,645 | #129 |
| Ohio | 74 | 6.625% | $6,300 | #155 |
| Connecticut | 64 | 6.875% | $10,644 | #67 |
| South Carolina | 62 | 6.625% | $5,340 | #146 |
| Michigan | 46 | 6.688% | $6,458 | — |
| Kentucky | 44 | 6.688% | $7,761 | — |
| Maine | 37 | 6.875% | $4,389 | — |
| Tennessee | 28 | 6.625% | $12,169 | — |
| Delaware | 27 | 6.250% | $14,519 | — |
| Rhode Island | 14 | 6.625% | $10,998 | — |
| Louisiana | 12 | 6.375% | $14,045 | — |
| Mississippi | 10 | 6.562% | $9,719 | — |
| Texas | 9 | 6.250% | $9,536 | — |
| Indiana | 8 | 6.875% | $6,375 | — |
| District of Columbia | 4 | 6.625% | $13,883 | — |
| Illinois | 3 | 6.875% | $10,426 | — |
| West Virginia | 3 | 6.875% | $4,540 | — |
| Colorado | 2 | 6.058% | $15,127 | — |
| Arkansas | 1 | 6.250% | $5,684 | — |
| Minnesota | 1 | 5.750% | $14,367 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,937 | 6.625% | — | 114 | −$3,126 | |
| 2 | $4,994 | 6.812% | — | 46 | −$3,069 | |
| 3 | $4,995 | 6.875% | — | 49 | −$3,068 | |
| 4 | $5,054 | 6.875% | — | 70 | −$3,009 | |
| 5 | $5,245 | 6.625% | — | 104 | −$2,818 | |
| 6 | $5,521 | 6.625% | — | 53 | −$2,542 | |
| 7 | $5,549 | 6.625% | — | 132 | −$2,514 | |
| 8 | $5,658 | 6.875% | — | 65 | −$2,405 | |
| 9 | $6,640 | 6.875% | — | 68 | −$1,423 | |
| 10 | $6,647 | 6.750% | — | 84 | −$1,416 | |
| 11 | $6,802 | 6.750% | — | 45 | −$1,261 | |
| 12 | $7,407 | 6.875% | — | 50 | −$656 | |
| 13 | $7,656 | 6.562% | — | 54 | −$407 | |
| 14 | $8,130 | 6.875% | — | 165 | +$67 | |
| 15 | $8,439 | 6.625% | — | 86 | +$376 | |
| 16 | $9,182 | 6.625% | — | 40 | +$1,119 | |
| 17 | $9,315 | 6.625% | — | 96 | +$1,252 | |
| 18 | $9,886 | 6.625% | — | 43 | +$1,823 | |
| 19 | $10,010 | 6.625% | — | 83 | +$1,947 | |
| 20 | $13,471 | 6.250% | — | 77 | +$5,408 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.