Lender in Virginia · HMDA 2025
Emm Loans LLC mortgages in Virginia
Emm Loans LLC's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Emm Loans LLC originated 338 owner-occupied single-family loans in Virginia from 363 completed applications.
Its median conventional purchase loan costs were $6,550 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
338
of 363 applications
Denial rate
2.4%
Purchase · VA 6.9%
Rate spread
+0.25 pts
Conv. · VA +0.10 pts
Loan amount
$325,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 328 | 307 | 2.4% | 6.625% | +0.25 pts | $6,550 | $325,000 |
| Refinance | 35 | 31 | 2.9% | — | — | — | $325,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Emm Loans LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Galax city | 3 | 5 | 7.8% |
| Carroll County | 4 | 22 | 7.7% |
| Grayson County | 4 | 12 | 8.3% |
| Greensville County | 7 | 2 | 3.1% |
| Bedford County | 8 | 24 | 2.0% |
| Lynchburg city | 9 | 24 | 2.5% |
| Campbell County | 12 | 13 | 1.7% |
| Surry County | 15 | 2 | 1.9% |
| Middlesex County | 25 | 2 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology