EMM LOANS LLC
6,547 mortgages originated in 2025 across 19 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 6,547
- Median rate
- 6.500%
- Median lender fees
- $7,541
- Median loan amount
- $325,000
- Median spread over APOR
- 0.305
- Paid discount points
- 48.7%
- Received lender credits
- 36.9%
- Purchases / refinances
- 83.8% / 16.2%
- Conventional / FHA / VA
- 64.7% / 25.1% / 9.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 95% of loans here — see methodology.
Where EMM LOANS LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| New Hampshire | 806 | $4,914 | 6.625% |
| Florida | 742 | $9,436 | 6.500% |
| Pennsylvania | 717 | $7,718 | 6.500% |
| New Jersey | 658 | $7,086 | 6.625% |
| Vermont | 644 | $5,291 | 6.625% |
| Massachusetts | 523 | $8,823 | 6.750% |
| Georgia | 375 | $7,257 | 6.625% |
| Virginia | 364 | $8,474 | 6.375% |
| North Carolina | 314 | $8,013 | 6.375% |
| Maryland | 228 | $10,977 | 6.500% |
| South Carolina | 195 | $6,035 | 6.750% |
| Kentucky | 140 | $6,625 | 6.250% |
| Connecticut | 114 | $10,799 | 6.625% |
| Ohio | 103 | $9,397 | 6.500% |
| Alabama | 96 | $7,219 | 6.500% |
| New York | 78 | $9,196 | 6.500% |
| Michigan | 77 | $7,191 | 6.625% |
| Maine | 76 | $4,487 | 6.813% |
| Tennessee | 67 | $13,590 | 6.500% |