EMM Loans
We analyzed every closed loan from EMM Loans — 4.9k loans across 7k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Near-National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
USDA
Superstar
Purchase
Superstar
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
Explore another lender or local market
Report Card
EMM Loans performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+42.4 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,968 loans · 0.44% above market
Exceptional
Top 20% of lenders
5/5
FHA
1,438 loans · 0.56% above market
Exceptional
Top 20% of lenders
5/5
VA
401 loans · 0.20% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
23 loans · 0.58% above market
Sound
Top 60% of lenders
3/5
USDA
62 loans · 0.29% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
4,038 loans · 0.43% above market
Exceptional
Top 20% of lenders
5/5
Refinance
854 loans · 0.38% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 50 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,968 | 60.7% | +0.438%Above | $2,597Fees | ||||
FHA Loans | 1,438 | 29.4% | +0.558%Above | $2,598Fees | ||||
VA Loans | 401 | 8.2% | -0.204%Below | $2,304Fees | ||||
Jumbo Loans | — | 23 | 0.5% | +0.578%Above | $1,812Fees | |||
USDA Loans | 62 | 1.3% | +0.289%Above | $2,420Fees |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume2,968
Mix60.7%
Spread
+0.438%Above
Fees
$2,597Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,438
Mix29.4%
Spread
+0.558%Above
Fees
$2,598Fees
VA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume401
Mix8.2%
Spread
-0.204%Below
Fees
$2,304Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume23
Mix0.5%
Spread
+0.578%Above
Fees
$1,812Fees
USDA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume62
Mix1.3%
Spread
+0.289%Above
Fees
$2,420Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 4,038 | 82.5% | +0.430%Above | $2,591Fees | ||||
Refinance | 854 | 17.5% | +0.376%Above | $2,428Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume4,038
Mix82.5%
Spread
+0.430%Above
Fees
$2,591Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume854
Mix17.5%
Spread
+0.376%Above
Fees
$2,428Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,892
Applications
6,794
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.424%
vs. market APOR
Avg Net Fees
$2,573
Origination − Credits
Pullthrough Rate
72.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$350,589
Avg Borrower Income
$141,501
Avg Property Value
$451,192
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
37
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
37Full-year 2024 · HMDALoans originated
< 2020–5050–100100–500500+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest7
IAILINMIMNOHWI
South16
ALARDCDEFLGAKYLAMDMSNCSCTNTXVAWV
West5
AZCACOORWA
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 30 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.