Lender in Vermont · HMDA 2025
Emm Loans LLC mortgages in Vermont
Emm Loans LLC's 2025 home-purchase and refinance lending in Vermont, compared with all lenders in the state.
Emm Loans LLC originated 549 owner-occupied single-family loans in Vermont from 577 completed applications, making it the state's #2 lender by volume.
Its median conventional purchase loan costs were $5,100 versus $4,860 for all Vermont lenders, at a median 30-year fixed rate of 6.625% (Vermont: 6.50%).
Loans in VT
549
of 577 applications
Denial rate
1.3%
Purchase · VT 6.9%
Rate spread
+0.19 pts
Conv. · VT +0.00 pts
Loan amount
$355,000
Purchase · VT $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 547 | 520 | 1.3% | 6.625% | +0.19 pts | $5,100 | $355,000 |
| Refinance | 30 | 29 | 0.0% | 6.625% | +0.19 pts | $4,470 | $255,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Vermont counties where Emm Loans LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Windsor County | 1 | 113 | 18.4% |
| Orange County | 1 | 37 | 14.1% |
| Rutland County | 2 | 54 | 11.6% |
| Bennington County | 2 | 19 | 8.5% |
| Chittenden County | 3 | 165 | 9.3% |
| Grand Isle County | 3 | 6 | 6.9% |
| Windham County | 4 | 23 | 6.5% |
| Washington County | 5 | 50 | 7.4% |
| Addison County | 5 | 15 | 5.6% |
| Franklin County | 6 | 38 | 5.6% |
| Caledonia County | 7 | 12 | 4.3% |
| Lamoille County | 8 | 11 | 4.5% |
| Orleans County | 13 | 5 | 1.7% |
| Essex County | 22 | 1 | 1.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology