Lender in North Carolina · HMDA 2025
Emm Loans LLC mortgages in North Carolina
Emm Loans LLC's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Emm Loans LLC originated 281 owner-occupied single-family loans in North Carolina from 303 completed applications.
Its median conventional purchase loan costs were $5,170 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
281
of 303 applications
Denial rate
0.8%
Purchase · NC 7.6%
Rate spread
+0.33 pts
Conv. · NC +0.04 pts
Loan amount
$325,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 251 | 242 | 0.8% | 6.625% | +0.33 pts | $5,170 | $325,000 |
| Refinance | 52 | 39 | 19.2% | — | — | — | $245,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Emm Loans LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Surry County | 4 | 52 | 7.2% |
| Robeson County | 11 | 12 | 1.9% |
| Currituck County | 24 | 7 | 0.9% |
| Duplin County | 25 | 4 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology