Emm Loans LLC Mortgage Lending & HMDA Data, 2025
In 2025, Emm Loans LLC of Cherry Hill, NJ reported 8,399 mortgage applications totaling $2.9 billion, up 14% from 2024. The average application was for $349,767, and applicants reported an average income of $145,508. 78% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Camden, NJ (441), Jacksonville, FL (428) and Rockingham County-Strafford County, NH (276) (applications in parentheses).
| Mortgage Company & Address | Emm Loans LLC 3 Executive Campus, Suite 520 Cherry Hill, NJ 08003 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 8,399 |
| Total Mortgage Loan Application Amount | $2,937,695,000 |
| Average Mortgage Loan Application Amount | $349,767 |
| Highest Mortgage Loan Application Amount | $2,075,000 |
| Average Applicant Income | $145,508 |
| Highest Applicant Income | $2,100,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Emm Loans LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 1,634 | $ 521,920,000 | $ 319,412 | $ 152,166 |
| Camden, NJ | 441 | $ 132,005,000 | $ 299,331 | $ 126,000 |
| Jacksonville, FL | 428 | $ 160,230,000 | $ 374,369 | $ 151,000 |
| Rockingham County-Strafford County, NH | 276 | $ 128,340,000 | $ 465,000 | $ 181,000 |
| Burlington-South Burlington, VT | 260 | $ 102,470,000 | $ 394,115 | $ 160,000 |
| Manchester-Nashua, NH | 217 | $ 93,145,000 | $ 429,239 | $ 162,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 204 | $ 85,150,000 | $ 417,401 | $ 144,588 |
| Boston, MA | 198 | $ 116,370,000 | $ 587,727 | $ 270,000 |
| Montgomery County-Bucks County-Chester County, PA | 195 | $ 77,965,000 | $ 399,820 | $ 163,000 |
| Pittsburgh, PA | 193 | $ 34,735,000 | $ 179,974 | $ 93,000 |
| Cambridge-Newton-Framingham, MA | 183 | $ 97,675,000 | $ 533,743 | $ 188,000 |
| Louisville/Jefferson County, KY-IN | 171 | $ 38,855,000 | $ 227,222 | $ 106,122 |
| Baltimore-Columbia-Towson, MD | 166 | $ 65,970,000 | $ 397,409 | $ 149,000 |
| Providence-Warwick, RI-MA | 151 | $ 68,665,000 | $ 454,735 | $ 150,715 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 130 | $ 34,880,000 | $ 268,307 | $ 118,000 |
| Macon-Bibb County, GA | 128 | $ 36,790,000 | $ 287,421 | $ 148,000 |
| Lakewood-New Brunswick, NJ | 120 | $ 46,340,000 | $ 386,166 | $ 155,000 |
| Tampa, FL | 110 | $ 33,040,000 | $ 300,363 | $ 129,000 |
| Atlanta-Sandy Springs-Roswell, GA | 108 | $ 39,150,000 | $ 362,500 | $ 162,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 98 | $ 37,100,000 | $ 378,571 | $ 188,000 |
| Worcester, MA-CT | 97 | $ 41,065,000 | $ 423,350 | $ 144,000 |
| New York-Jersey City-White Plains, NY-NJ | 90 | $ 47,300,000 | $ 525,555 | $ 209,500 |
| Lynchburg, VA | 88 | $ 24,640,000 | $ 280,000 | $ 104,000 |
| Newark, NJ-PA | 88 | $ 45,370,000 | $ 515,568 | $ 215,000 |
| Philadelphia, PA | 88 | $ 23,720,000 | $ 269,545 | $ 107,000 |
| Lancaster, PA | 75 | $ 23,235,000 | $ 309,800 | $ 137,000 |
| Cincinnati, OH-KY-IN | 74 | $ 19,720,000 | $ 266,486 | $ 99,756 |
| Harrisburg-Carlisle, PA | 64 | $ 15,080,000 | $ 235,625 | $ 91,000 |
| Auburn-Opelika, AL | 62 | $ 17,820,000 | $ 287,419 | $ 161,000 |
| Orlando-Kissimmee-Sanford, FL | 61 | $ 20,535,000 | $ 336,639 | $ 115,000 |
| Hartford-West Hartford-East Hartford, CT | 60 | $ 20,090,000 | $ 334,833 | $ 154,000 |
| York-Hanover, PA | 60 | $ 15,330,000 | $ 255,500 | $ 96,000 |
| Portland-South Portland, ME | 59 | $ 25,555,000 | $ 433,135 | $ 182,000 |
| Raleigh, NC | 59 | $ 21,635,000 | $ 366,694 | $ 164,000 |
| Atlantic City-Hammonton, NJ | 57 | $ 20,295,000 | $ 356,052 | $ 168,000 |
| Wilmington, DE-MD-NJ | 52 | $ 15,130,000 | $ 290,961 | $ 111,961 |
| Wilmington, NC | 52 | $ 18,080,000 | $ 347,692 | $ 137,000 |
| Lansing-East Lansing, MI | 48 | $ 9,760,000 | $ 203,333 | $ 83,000 |
| Port St. Lucie, FL | 47 | $ 15,865,000 | $ 337,553 | $ 150,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 45 | $ 17,135,000 | $ 380,777 | $ 161,000 |
| Knoxville, TN | 45 | $ 17,135,000 | $ 380,777 | $ 132,000 |
| Savannah, GA | 45 | $ 12,885,000 | $ 286,333 | $ 119,000 |
| Washington, DC-MD | 43 | $ 18,345,000 | $ 426,627 | $ 125,116 |
| Deltona-Daytona Beach-Ormond Beach, FL | 42 | $ 11,170,000 | $ 265,952 | $ 114,000 |
| Arlington-Alexandria-Reston, VA-WV | 39 | $ 21,955,000 | $ 562,948 | $ 162,000 |
| St. Petersburg-Clearwater-Largo, FL | 35 | $ 12,305,000 | $ 351,571 | $ 158,000 |
| Vineland-Bridgeton, NJ | 34 | $ 8,180,000 | $ 240,588 | $ 115,000 |
| Warner Robins, GA | 33 | $ 8,795,000 | $ 266,515 | $ 123,000 |
| Greensboro-High Point, NC | 32 | $ 10,090,000 | $ 315,312 | $ 130,000 |
| New Haven-Milford, CT | 31 | $ 11,445,000 | $ 369,193 | $ 167,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 30 | $ 8,800,000 | $ 293,333 | $ 126,666 |
| Ocala, FL | 30 | $ 6,900,000 | $ 230,000 | $ 77,000 |
| Richmond, VA | 30 | $ 10,240,000 | $ 341,333 | $ 100,000 |
| Durham-Chapel Hill, NC | 29 | $ 12,385,000 | $ 427,068 | $ 171,000 |
| Marietta, GA | 29 | $ 12,525,000 | $ 431,896 | $ 182,000 |
| Palm Bay-Melbourne-Titusville, FL | 28 | $ 11,770,000 | $ 420,357 | $ 171,000 |
| Warren-Troy-Farmington Hills, MI | 28 | $ 7,020,000 | $ 250,714 | $ 97,000 |
| Waterbury-Shelton, CT | 28 | $ 8,700,000 | $ 310,714 | $ 118,000 |
| Chicago-Naperville, IL | 27 | $ 6,895,000 | $ 255,370 | $ 88,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 24 | $ 8,620,000 | $ 359,166 | $ 164,000 |
| Indianapolis-Carmel-Anderson, IN | 24 | $ 6,530,000 | $ 272,083 | $ 111,000 |
| Washington-Baltimore-Arlington, DC | 24 | $ 13,820,000 | $ 575,833 | $ 187,000 |
| Youngstown-Warren-Boardman, OH-PA | 23 | $ 5,565,000 | $ 241,956 | $ 101,000 |
| Lakeland-Winter Haven, FL | 22 | $ 6,550,000 | $ 297,727 | $ 108,000 |
| North Port-Sarasota-Bradenton, FL | 22 | $ 8,180,000 | $ 371,818 | $ 162,000 |
| Winston-Salem, NC | 22 | $ 5,700,000 | $ 259,090 | $ 109,000 |
| Charlotte-Concord-Gastonia, NC-SC | 21 | $ 6,445,000 | $ 306,904 | $ 120,047 |
| Memphis, TN-MS-AR | 18 | $ 5,660,000 | $ 314,444 | $ 100,722 |
| Bridgeport-Stamford-Norwalk, CT | 17 | $ 8,135,000 | $ 478,529 | $ 158,000 |
| Columbus, OH | 17 | $ 6,865,000 | $ 403,823 | $ 181,000 |
| Punta Gorda, FL | 17 | $ 5,765,000 | $ 339,117 | $ 170,000 |
| Reading, PA | 17 | $ 4,215,000 | $ 247,941 | $ 111,000 |
| Trenton, NJ | 17 | $ 4,375,000 | $ 257,352 | $ 106,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 17 | $ 6,715,000 | $ 395,000 | $ 203,000 |
| Cape Coral-Fort Myers, FL | 16 | $ 5,780,000 | $ 361,250 | $ 172,000 |
| Lebanon, PA | 16 | $ 4,060,000 | $ 253,750 | $ 93,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 16 | $ 6,130,000 | $ 383,125 | $ 130,000 |
| Springfield, MA | 16 | $ 4,360,000 | $ 272,500 | $ 119,000 |
| Albany-Schenectady-Troy, NY | 14 | $ 4,850,000 | $ 346,428 | $ 107,000 |
| Riverside-San Bernardino-Ontario, CA | 14 | $ 5,430,000 | $ 387,857 | $ 118,000 |
| Cleveland, OH | 13 | $ 2,915,000 | $ 224,230 | $ 81,000 |
| Phoenix-Mesa-Scottsdale, AZ | 13 | $ 3,755,000 | $ 288,846 | $ 81,000 |
| Dover, DE | 12 | $ 3,650,000 | $ 304,166 | $ 89,000 |
| Gettysburg, PA | 12 | $ 3,060,000 | $ 255,000 | $ 97,000 |
| Nassau County-Suffolk County, NY | 12 | $ 5,260,000 | $ 438,333 | $ 139,000 |
| Denver-Aurora-Lakewood, CO | 11 | $ 4,255,000 | $ 386,818 | $ 88,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 11 | $ 3,095,000 | $ 281,363 | $ 106,000 |
| Augusta-Richmond County, GA-SC | 10 | $ 1,950,000 | $ 195,000 | $ 57,200 |
| Bangor, ME | 10 | $ 3,070,000 | $ 307,000 | $ 128,000 |
| Baton Rouge, LA | 10 | $ 1,980,000 | $ 198,000 | $ 77,000 |
| Birmingham-Hoover, AL | 10 | $ 3,780,000 | $ 378,000 | $ 117,000 |
| Charleston-North Charleston, SC | 10 | $ 3,610,000 | $ 361,000 | $ 157,000 |
| Hickory-Lenoir-Morganton, NC | 10 | $ 2,570,000 | $ 257,000 | $ 96,000 |
| Montgomery, AL | 10 | $ 3,480,000 | $ 348,000 | $ 152,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 10 | $ 2,090,000 | $ 209,000 | $ 69,000 |
| Barnstable Town, MA | 9 | $ 6,475,000 | $ 719,444 | $ 276,000 |
| Chambersburg-Waynesboro, PA | 9 | $ 2,035,000 | $ 226,111 | $ 95,000 |
| Sebastian-Vero Beach, FL | 9 | $ 1,795,000 | $ 199,444 | $ 58,000 |
| Dayton-Springfield-Kettering, OH | 8 | $ 1,950,000 | $ 243,750 | $ 93,000 |
| Fayetteville, NC | 8 | $ 2,140,000 | $ 267,500 | $ 96,000 |
| Greenville-Anderson-Mauldin, SC | 8 | $ 1,750,000 | $ 218,750 | $ 74,000 |
| Miami-Miami Beach-Kendall, FL | 8 | $ 2,700,000 | $ 337,500 | $ 202,000 |
| Norwich-New London, CT | 8 | $ 2,700,000 | $ 337,500 | $ 116,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 8 | $ 3,980,000 | $ 497,500 | $ 129,000 |
| Akron, OH | 7 | $ 1,825,000 | $ 260,714 | $ 106,000 |
| Columbus, GA-AL | 7 | $ 1,955,000 | $ 279,285 | $ 120,000 |
| Lexington-Fayette, KY | 7 | $ 1,555,000 | $ 222,142 | $ 79,000 |
| Bakersfield, CA | 6 | $ 1,510,000 | $ 251,666 | $ 72,000 |
| Goldsboro, NC | 6 | $ 1,010,000 | $ 168,333 | $ 81,000 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 1,670,000 | $ 278,333 | $ 142,000 |
| Jacksonville, NC | 6 | $ 1,480,000 | $ 246,666 | $ 115,000 |
| Mobile, AL | 6 | $ 1,300,000 | $ 216,666 | $ 76,000 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 2,310,000 | $ 385,000 | $ 166,000 |
| Pittsfield, MA | 6 | $ 1,710,000 | $ 285,000 | $ 158,000 |
| Rochester, NY | 6 | $ 1,280,000 | $ 213,333 | $ 113,000 |
| San Diego-Carlsbad, CA | 6 | $ 2,630,000 | $ 438,333 | $ 182,000 |
| Cedar Rapids, IA | 5 | $ 925,000 | $ 185,000 | $ 78,000 |
| Columbia, SC | 5 | $ 1,115,000 | $ 223,000 | $ 82,000 |
| Daphne-Fairhope-Foley, AL | 5 | $ 1,455,000 | $ 291,000 | $ 171,000 |
| Fresno, CA | 5 | $ 1,295,000 | $ 259,000 | $ 65,000 |
| Homosassa Springs, FL | 5 | $ 1,185,000 | $ 237,000 | $ 106,000 |
| Lexington Park, MD | 5 | $ 2,235,000 | $ 447,000 | $ 257,000 |
| Panama City, FL | 5 | $ 1,355,000 | $ 271,000 | $ 173,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 1,375,000 | $ 275,000 | $ 233,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 1,625,000 | $ 325,000 | $ 96,000 |
| Tallahassee, FL | 5 | $ 1,205,000 | $ 241,000 | $ 91,000 |
| Tucson, AZ | 5 | $ 1,235,000 | $ 247,000 | $ 74,000 |
| Amherst Town-Northampton, MA | 4 | $ 1,510,000 | $ 377,500 | $ 199,000 |
| Athens-Clarke County, GA | 4 | $ 1,180,000 | $ 295,000 | $ 149,000 |
| Brunswick, GA | 4 | $ 1,250,000 | $ 312,500 | $ 116,000 |
| Canton-Massillon, OH | 4 | $ 770,000 | $ 192,500 | $ 57,000 |
| Champaign-Urbana, IL | 4 | $ 730,000 | $ 182,500 | $ 93,000 |
| Chattanooga, TN-GA | 4 | $ 780,000 | $ 195,000 | $ 71,750 |
| Colorado Springs, CO | 4 | $ 1,170,000 | $ 292,500 | $ 57,000 |
| Detroit-Dearborn-Livonia, MI | 4 | $ 1,020,000 | $ 255,000 | $ 87,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 980,000 | $ 245,000 | $ 67,000 |
| Fort Wayne, IN | 4 | $ 760,000 | $ 190,000 | $ 72,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 1,130,000 | $ 282,500 | $ 117,000 |
| Jackson, MS | 4 | $ 910,000 | $ 227,500 | $ 95,000 |
| Lake County-Porter County-Jasper County, IN | 4 | $ 850,000 | $ 212,500 | $ 81,000 |
| Slidell-Mandeville-Covington, LA | 4 | $ 1,320,000 | $ 330,000 | $ 149,000 |
| Spartanburg, SC | 4 | $ 1,370,000 | $ 342,500 | $ 128,000 |
| Wildwood-The Villages, FL | 4 | $ 1,040,000 | $ 260,000 | $ 153,000 |
| Albany, GA | 3 | $ 875,000 | $ 291,666 | $ 218,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 1,585,000 | $ 528,333 | $ 187,000 |
| Asheville, NC | 3 | $ 945,000 | $ 315,000 | $ 115,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 615,000 | $ 205,000 | $ 78,000 |
| Elgin, IL | 3 | $ 585,000 | $ 195,000 | $ 54,000 |
| Elizabethtown-Fort Knox, KY | 3 | $ 765,000 | $ 255,000 | $ 111,000 |
| Elkhart-Goshen, IN | 3 | $ 605,000 | $ 201,666 | $ 106,000 |
| Flint, MI | 3 | $ 875,000 | $ 291,666 | $ 83,000 |
| Greenville, NC | 3 | $ 435,000 | $ 145,000 | $ 120,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 855,000 | $ 285,000 | $ 96,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 425,000 | $ 141,666 | $ 49,000 |
| Huntsville, AL | 3 | $ 695,000 | $ 231,666 | $ 59,000 |
| Johnson City, TN | 3 | $ 695,000 | $ 231,666 | $ 82,000 |
| Kokomo, IN | 3 | $ 645,000 | $ 215,000 | $ 89,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 815,000 | $ 271,666 | $ 72,000 |
| Lewiston-Auburn, ME | 3 | $ 1,095,000 | $ 365,000 | $ 138,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 735,000 | $ 245,000 | $ 83,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 1,125,000 | $ 375,000 | $ 77,000 |
| Salisbury, MD-DE | 3 | $ 925,000 | $ 308,333 | $ 84,000 |
| Santa Rosa, CA | 3 | $ 1,845,000 | $ 615,000 | $ 149,000 |
| Springfield, IL | 3 | $ 895,000 | $ 298,333 | $ 300,000 |
| Syracuse, NY | 3 | $ 985,000 | $ 328,333 | $ 139,000 |
| Altoona, PA | 2 | $ 330,000 | $ 165,000 | $ 78,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 370,000 | $ 185,000 | $ 69,000 |
| Bloomington, IL | 2 | $ 570,000 | $ 285,000 | $ 140,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 670,000 | $ 335,000 | $ 113,000 |
| Charlottesville, VA | 2 | $ 640,000 | $ 320,000 | $ 198,000 |
| Clarksville, TN-KY | 2 | $ 700,000 | $ 350,000 | $ 83,000 |
| Cleveland, TN | 2 | $ 410,000 | $ 205,000 | $ 85,000 |
| Eagle Pass, TX | 2 | $ 600,000 | $ 300,000 | $ 128,000 |
| Fort Collins, CO | 2 | $ 710,000 | $ 355,000 | $ 103,000 |
| Gainesville, FL | 2 | $ 740,000 | $ 370,000 | $ 92,000 |
| Glens Falls, NY | 2 | $ 480,000 | $ 240,000 | $ 67,000 |
| Greeley, CO | 2 | $ 490,000 | $ 245,000 | $ 70,000 |
| Hammond, LA | 2 | $ 390,000 | $ 195,000 | $ 70,000 |
| Hinesville, GA | 2 | $ 540,000 | $ 270,000 | $ 77,000 |
| Jackson, TN | 2 | $ 410,000 | $ 205,000 | $ 67,000 |
| Janesville-Beloit, WI | 2 | $ 450,000 | $ 225,000 | $ 65,000 |
| Kankakee, IL | 2 | $ 390,000 | $ 195,000 | $ 74,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 420,000 | $ 210,000 | $ 61,000 |
| Madison, WI | 2 | $ 350,000 | $ 175,000 | $ 64,000 |
| Merced, CA | 2 | $ 670,000 | $ 335,000 | $ 93,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 380,000 | $ 190,000 | $ 73,000 |
| New Orleans-Metairie, LA | 2 | $ 380,000 | $ 190,000 | $ 53,000 |
| Owensboro, KY | 2 | $ 380,000 | $ 190,000 | $ 67,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 680,000 | $ 340,000 | $ 110,000 |
| Paducah, KY-IL | 2 | $ 360,000 | $ 180,000 | $ 54,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 830,000 | $ 415,000 | $ 114,000 |
| Rapid City, SD | 2 | $ 720,000 | $ 360,000 | $ 126,000 |
| Redding, CA | 2 | $ 550,000 | $ 275,000 | $ 85,000 |
| Roanoke, VA | 2 | $ 340,000 | $ 170,000 | $ 53,000 |
| Rockford, IL | 2 | $ 410,000 | $ 205,000 | $ 77,000 |
| San Antonio-New Braunfels, TX | 2 | $ 470,000 | $ 235,000 | $ 112,000 |
| St. Louis, MO-IL | 2 | $ 670,000 | $ 335,000 | $ 98,000 |
| State College, PA | 2 | $ 320,000 | $ 160,000 | $ 61,000 |
| Sumter, SC | 2 | $ 440,000 | $ 220,000 | $ 64,000 |
| Toledo, OH | 2 | $ 360,000 | $ 180,000 | $ 92,000 |
| Utica-Rome, NY | 2 | $ 560,000 | $ 280,000 | $ 84,000 |
| Valdosta, GA | 2 | $ 550,000 | $ 275,000 | $ 142,000 |
| Alexandria, LA | 1 | $ 155,000 | $ 155,000 | $ 56,000 |
| Ann Arbor, MI | 1 | $ 335,000 | $ 335,000 | $ 154,000 |
| Appleton, WI | 1 | $ 235,000 | $ 235,000 | $ 94,000 |
| Binghamton, NY | 1 | $ 125,000 | $ 125,000 | $ 64,000 |
| Dalton, GA | 1 | $ 225,000 | $ 225,000 | $ 84,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 185,000 | $ 185,000 | $ 41,000 |
| Decatur, AL | 1 | $ 485,000 | $ 485,000 | $ 180,000 |
| Des Moines-West Des Moines, IA | 1 | $ 315,000 | $ 315,000 | $ 158,000 |
| Dothan, AL | 1 | $ 375,000 | $ 375,000 | $ 141,000 |
| Dubuque, IA | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Evansville, IN-KY | 1 | $ 95,000 | $ 95,000 | $ 140,000 |
| Flagstaff, AZ | 1 | $ 495,000 | $ 495,000 | $ 91,000 |
| Florence, SC | 1 | $ 285,000 | $ 285,000 | $ 54,000 |
| Florence-Muscle Shoals, AL | 1 | $ 165,000 | $ 165,000 | $ 34,000 |
| Fort Smith, AR-OK | 1 | $ 215,000 | $ 215,000 | $ 126,000 |
| Fort Worth-Arlington, TX | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Gadsden, AL | 1 | $ 365,000 | $ 365,000 | $ 56,000 |
| Gainesville, GA | 1 | $ 395,000 | $ 395,000 | $ 89,000 |
| Grants Pass, OR | 1 | $ 315,000 | $ 315,000 | $ 65,000 |
| Green Bay, WI | 1 | $ 225,000 | $ 225,000 | $ 84,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 255,000 | $ 255,000 | $ 44,000 |
| Hattiesburg, MS | 1 | $ 235,000 | $ 235,000 | $ 78,000 |
| Houma-Thibodaux, LA | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
| Johnstown, PA | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Jonesboro, AR | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Kalamazoo-Portage, MI | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Lafayette-West Lafayette, IN | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Lake Charles, LA | 1 | $ 215,000 | $ 215,000 | $ 148,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 235,000 | $ 235,000 | $ 71,000 |
| Mansfield, OH | 1 | $ 345,000 | $ 345,000 | $ 97,000 |
| Midland, MI | 1 | $ 175,000 | $ 175,000 | $ 98,000 |
| Modesto, CA | 1 | $ 255,000 | $ 255,000 | $ 54,000 |
| Monroe, LA | 1 | $ 205,000 | $ 205,000 | $ 56,000 |
| Monroe, MI | 1 | $ 205,000 | $ 205,000 | $ 74,000 |
| Muncie, IN | 1 | $ 335,000 | $ 335,000 | $ 104,000 |
| Muskegon, MI | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Niles-Benton Harbor, MI | 1 | $ 175,000 | $ 175,000 | $ 87,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 455,000 | $ 455,000 | $ 141,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 215,000 | $ 215,000 | $ 61,000 |
| Racine, WI | 1 | $ 195,000 | $ 195,000 | $ 31,000 |
| Rochester, MN | 1 | $ 245,000 | $ 245,000 | $ 53,000 |
| Rocky Mount, NC | 1 | $ 285,000 | $ 285,000 | $ 84,000 |
| Saginaw, MI | 1 | $ 165,000 | $ 165,000 | $ 74,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 385,000 | $ 385,000 | $ 111,000 |
| Sebring, FL | 1 | $ 665,000 | $ 665,000 | $ 285,000 |
| Sheboygan, WI | 1 | $ 245,000 | $ 245,000 | $ 92,000 |
| Shreveport-Bossier City, LA | 1 | $ 165,000 | $ 165,000 | $ 51,000 |
| Sioux Falls, SD | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| St. Cloud, MN | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Stockton-Lodi, CA | 1 | $ 525,000 | $ 525,000 | $ 102,000 |
| Terre Haute, IN | 1 | $ 215,000 | $ 215,000 | $ 105,000 |
| Texarkana, TX-AR | 1 | $ 225,000 | $ 225,000 | $ 69,000 |
| Visalia-Porterville, CA | 1 | $ 255,000 | $ 255,000 | $ 62,000 |
| Watertown-Fort Drum, NY | 1 | $ 165,000 | $ 165,000 | $ 103,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 285,000 | $ 285,000 | $ 89,000 |
| Winchester, VA-WV | 1 | $ 305,000 | $ 305,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for Emm Loans LLC in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 6,554 | $2,333,240,000 | $356,000 | $2,075,000 | $151,000 | $2,100,000 |
| Refinancing | 1,845 | $604,455,000 | $327,000 | $1,775,000 | $126,000 | $1,567,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 5,819 | $2,006,345,000 | $344,000 | $2,075,000 | $146,000 | $1,615,000 |
| Not Provided | 1,104 | $437,860,000 | $396,000 | $1,555,000 | $170,000 | $2,100,000 |
| Black or African American | 700 | $221,690,000 | $316,000 | $1,345,000 | $111,000 | $845,000 |
| Hispanic | 499 | $163,585,000 | $327,000 | $1,195,000 | $121,000 | $641,000 |
| Asian | 235 | $94,775,000 | $403,000 | $1,775,000 | $175,000 | $865,000 |
| American Indian or Alaskan Native | 33 | $10,695,000 | $324,000 | $615,000 | $118,000 | $210,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,370,000 | $296,000 | $455,000 | $136,000 | $245,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,111 | $1,829,945,000 | $358,000 | $2,075,000 | $169,000 | $2,100,000 |
| FHA-insured (Federal Housing Administration) | 2,456 | $766,520,000 | $312,000 | $1,215,000 | $103,000 | $745,000 |
| VA-guaranteed (Veterans Administration) | 761 | $325,825,000 | $428,000 | $1,705,000 | $130,000 | $845,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 71 | $15,405,000 | $216,000 | $365,000 | $76,000 | $119,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 6,547 | $2,344,265,000 | $358,000 | $2,075,000 | $150,000 | $1,758,000 |
| Application Withdrawn By Applicant | 801 | $275,075,000 | $343,000 | $1,655,000 | $148,000 | $1,615,000 |
| File Closed For Incompleteness | 448 | $126,600,000 | $282,000 | $955,000 | $105,000 | $644,000 |
| Application Denied By Financial Institution | 341 | $93,405,000 | $273,000 | $975,000 | $97,000 | $1,429,000 |
| Application Approved But Not Accepted | 262 | $98,350,000 | $375,000 | $1,445,000 | $162,000 | $2,100,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 8,058 | $2,844,290,000 | $352,000 | $2,075,000 | $148,000 | $2,100,000 |
| Other | 105 | $26,685,000 | $254,000 | $975,000 | $98,000 | $467,000 |
| Collateral | 83 | $22,195,000 | $267,000 | $745,000 | $116,000 | $1,429,000 |
| Debt-To-Income Ratio | 65 | $19,295,000 | $296,000 | $735,000 | $77,000 | $240,000 |
| Credit History | 28 | $7,000,000 | $250,000 | $505,000 | $83,000 | $201,000 |
| Employment History | 21 | $5,395,000 | $256,000 | $685,000 | $90,000 | $177,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $5,405,000 | $317,000 | $685,000 | $104,000 | $225,000 |
| Unverifiable Information | 13 | $4,415,000 | $339,000 | $805,000 | $91,000 | $150,000 |
| Credit Application Incomplete | 9 | $3,015,000 | $335,000 | $525,000 | $113,000 | $191,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Emm Loans LLC's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Emm Loans LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.
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