Grade C · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$7,541
median across reports
vs. National Average
121%
above national avg
Avg Origination Charge
$4,155
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $4,155 | $1,591 | 🔺 High |
| discount_points | $3,766 | $2,287 | 🔺 High |
| lender_credits | $2,521 | $450 | 🔺 High |
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Based on 6,220 homebuyer-submitted Closing Disclosures, Emm Loans LLC's median total closing costs are $7,541. This is about 121% above the $3,412 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
Are Closing Costs Negotiable?
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What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
Benchmark your costs against the state average.
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Compare Emm Loans LLC with another lender
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Aggregates from Emm Loans LLC's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
4,930
Ranked #100 nationally
Median Total Costs
$7,440
+11.4% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$2,185
Median Lender Credits
$902
Cost Rank (500+ vol.)
#401
among lenders with 500+ originations
Denial Rate
2.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,100 | 6.625% | $5,895 | $2,185 |
| fha | 1,225 | 6.250% | $11,945 | $2,269 |
| va | 548 | 6.250% | $8,267 | $1,500 |
| usda | 57 | 6.250% | $8,124 | $3,166 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Hampshire | 661 | 6.625% | $4,941 | #3 |
| Florida | 606 | 6.500% | $9,450 | #77 |
| Pennsylvania | 580 | 6.500% | $8,003 | #38 |
| Vermont | 541 | 6.625% | $5,329 | #2 |
| New Jersey | 450 | 6.625% | $7,451 | #35 |
| Massachusetts | 348 | 6.625% | $9,096 | #30 |
| Virginia | 312 |
| This lender | New Hampshire median | National median | |
|---|---|---|---|
| Total Closing Costs | $4,941 | $4,681 | $6,680 |
| Interest Rate | 6.625% | 6.620% | 6.490% |
| Originations in state | 661 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Emm Loans LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $7,440 | $7,127 | +$313 (+4.4%) |
Popular Refinance Pages
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 6.375% |
| $8,508 |
| #58 |
| Georgia | 287 | 6.625% | $7,274 | #80 |
| North Carolina | 248 | 6.375% | $7,693 | #92 |
| Maryland | 176 | 6.500% | $10,593 | #70 |
| South Carolina | 127 | 6.625% | $5,682 | #105 |
| Connecticut | 89 | 6.625% | $10,662 | #55 |
| Kentucky | 85 | 6.500% | $6,776 | #92 |
| Ohio | 74 | 6.500% | $8,722 | #159 |
| Alabama | 60 | 6.500% | $6,395 | #123 |
| Maine | 55 | 6.625% | $4,467 | #41 |
| New York | 51 | 6.875% | $6,055 | #152 |
| Michigan | 46 | 6.625% | $6,864 | — |
| Tennessee | 42 | 6.562% | $12,693 | — |
| Delaware | 25 | 6.250% | $14,991 | — |
| Rhode Island | 23 | 6.375% | $9,941 | — |
| Indiana | 15 | 6.625% | $9,200 | — |
| Louisiana | 10 | 6.500% | $9,018 | — |
| Texas | 8 | 6.562% | $9,828 | — |
| California | 4 | 6.683% | $7,114 | — |
| District of Columbia | 2 | 6.875% | $13,537 | — |
| Arizona | 1 | 6.125% | $22,082 | — |
| Colorado | 1 | 7.375% | $4,355 | — |
| Illinois | 1 | 6.625% | $13,376 | — |
| Mississippi | 1 | 6.375% | $91 | — |
| South Dakota | 1 | 6.750% | $4,325 | — |