Lender in Georgia · HMDA 2025
Emm Loans LLC mortgages in Georgia
Emm Loans LLC's 2025 home-purchase and refinance lending in Georgia, compared with all lenders in the state.
Emm Loans LLC originated 344 owner-occupied single-family loans in Georgia from 367 completed applications.
Its median conventional purchase loan costs were $6,590 versus $6,350 for all Georgia lenders, at a median 30-year fixed rate of 6.75% (Georgia: 6.624%).
Loans in GA
344
of 367 applications
Denial rate
2.7%
Purchase · GA 9.9%
Rate spread
+0.21 pts
Conv. · GA +0.13 pts
Loan amount
$295,000
Purchase · GA $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 300 | 286 | 2.7% | 6.750% | +0.21 pts | $6,590 | $295,000 |
| Refinance | 67 | 58 | 10.4% | 6.875% | +0.25 pts | $5,930 | $235,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Georgia counties where Emm Loans LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Monroe County | 3 | 26 | 5.6% |
| Bibb County | 4 | 83 | 5.2% |
| Twiggs County | 5 | 2 | 4.9% |
| Charlton County | 6 | 3 | 4.3% |
| Crawford County | 11 | 2 | 2.3% |
| Camden County | 12 | 17 | 1.2% |
| Effingham County | 13 | 21 | 1.5% |
| Lamar County | 13 | 6 | 1.7% |
| Early County | 15 | 1 | 1.5% |
| Pulaski County | 16 | 2 | 1.7% |
| Coweta County | 18 | 42 | 1.5% |
| Seminole County | 18 | 1 | 1.3% |
| Terrell County | 18 | 1 | 1.4% |
| Jones County | 21 | 4 | 1.3% |
| Screven County | 23 | 1 | 1.2% |
| Houston County | 25 | 25 | 0.8% |
| Bulloch County | 25 | 6 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology