Lender in Pennsylvania · HMDA 2025
Emm Loans LLC mortgages in Pennsylvania
Emm Loans LLC's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
Emm Loans LLC originated 641 owner-occupied single-family loans in Pennsylvania from 684 completed applications.
Its median conventional purchase loan costs were $7,000 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.625% (Pennsylvania: 6.625%).
Loans in PA
641
of 684 applications
Denial rate
3.6%
Purchase · PA 6.7%
Rate spread
+0.24 pts
Conv. · PA +0.17 pts
Loan amount
$265,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 614 | 580 | 3.6% | 6.625% | +0.24 pts | $7,000 | $265,000 |
| Refinance | 70 | 61 | 7.1% | 6.500% | +0.27 pts | $9,360 | $275,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where Emm Loans LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bedford County | 1 | 55 | 13.0% |
| Lancaster County | 18 | 63 | 1.2% |
| Perry County | 21 | 6 | 1.2% |
| Potter County | 23 | 1 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology