Median rate spread
+0.18 ppAPR relative to the prime offer benchmarkMiddle 50%: -0.03 to +0.43 pp
EMM LOANS LLC
Vermont, Delaware, Rhode Island, Wyoming coverage. Historical results, not current mortgage offers.
Coverage: Vermont, Delaware, Rhode Island, Wyoming. These are actual public HMDA records. Results apply to the geography stated here, not the whole country.
Key facts
In 2025, EMM LOANS LLC reported 612 eligible mortgage originations in Vermont, Delaware, Rhode Island, Wyoming. The median rate spread was +0.18 percentage points. Half of reported spreads were between -0.03 and +0.43. The denial rate was 1.6% of originated and denied applications.
Source: FFIEC HMDA 2025 snapshot, selected states. Retrieved 2026-09-11, September 11, 2026. Methodology · Sources.
Explore Vermont, Delaware, Rhode Island, Wyoming mortgages
Public HMDA records2025 · All loan types · All purposes
Median interest rate
6.50%The interest rate before feesAnnual figure · 2025 loans only
Application denial rate
1.6%Denied ÷ originated and denied applications622 eligible applications
Originated mortgages
612Owner-occupied, first-lien mortgages0.0% missing rate spread
What borrowers paid
In 2025, EMM LOANS LLC borrowers paid a median rate spread of +0.18 percentage points. The middle 80 percent ranged from -0.24 to +0.71.
Rate spread in percentage points. Bars show the number of originated loans.
| Spread interval (pp) | Loans |
|---|---|
| Below -1.0 | 0 |
| -1.0 to -0.8 | 5 |
| -0.8 to -0.6 | 7 |
| -0.6 to -0.4 | 17 |
| -0.4 to -0.2 | 44 |
| -0.2 to 0.0 | 103 |
| 0.0 to 0.2 | 141 |
| 0.2 to 0.4 | 125 |
| 0.4 to 0.6 | 86 |
| 0.6 to 0.8 | 35 |
| 0.8 to 1.0 | 26 |
| 1.0 to 1.2 | 12 |
| 1.2 to 1.4 | 7 |
| 1.4 to 1.6 | 2 |
| 1.6 to 1.8 | 2 |
| 1.8 to 2.0 | 0 |
| 2.0 to 2.2 | 0 |
| 2.2 to 2.4 | 0 |
| 2.4 to 2.6 | 0 |
| 2.6 to 2.8 | 0 |
| 2.8 to 3.0 | 0 |
| +3.0 and above | 0 |
Points, credits and closing costs
- Share paying discount points
- 100.0%
- Median points among payers
- 0.2% of loan amount
- Share receiving lender credits
- 100.0%
- Median total loan costs
- $5,434
- Median costs as share of loan
- 1.8%
- Median loan amount
- $355,000
- Median property value
- $445,000
Metrics use reported values only. Missing or exempt values are excluded; fields with fewer than 30 observations are not published.
Application denials
10 denied applications out of 622 originated and denied applications in 2025.
There are not enough observations to publish individual denial reasons.
An application can have multiple denial reasons. Each reason is counted once per application, so shares may add to more than 100%.
Compared with national pricing
A matching national dataset has not been loaded. No national comparison is shown.
By loan type
| Segment | Originations | Median spread | Median interest rate | Denial rate |
|---|---|---|---|---|
| Conventional | 482 | +0.19 pp | 6.62% | 0.8% |
| VA | 46 | -0.37 pp | 6.12% | 2.1% |
| FHA | 83 | +0.31 pp | 6.25% | 4.6% |
By loan purpose
| Segment | Originations | Median spread | Median interest rate | Denial rate |
|---|---|---|---|---|
| Home purchase | 569 | +0.18 pp | 6.50% | 1.4% |
| Refinance | 43 | +0.20 pp | 6.50% | 4.4% |
By loan size
| Segment | Originations | Median spread | Median interest rate | Denial rate |
|---|---|---|---|---|
| $200,000 to $399,999 | 319 | +0.17 pp | 6.50% | 1.2% |
| $400,000 to $599,999 | 182 | +0.20 pp | 6.62% | 2.1% |
| $600,000 to $799,999 | 41 | +0.21 pp | 6.62% | 0.0% |
| Under $200,000 | 63 | +0.16 pp | 6.50% | 3.1% |
Conforming and jumbo
| Segment | Originations | Median spread | Median interest rate | Denial rate |
|---|---|---|---|---|
| Conforming | 608 | +0.18 pp | 6.50% | 1.6% |
By state
Year-over-year view
| Data year | Originations | Median spread | Denial rate |
|---|---|---|---|
| 2024 | 440 | +0.23 pp | 2.6% |
| 2025 | 612 | +0.18 pp | 1.6% |
All years cover Vermont, Delaware, Rhode Island, Wyoming. Changes in loan and borrower mix affect comparisons.
Combined loan-to-value
Not enough data is available to publish every bucket safely.
Debt-to-income ratio
Not enough data is available to publish every bucket safely.
Frequently asked questions
Are these current mortgage offers?
No. These records describe mortgages reported for 2025. Ask lenders for current Loan Estimates.
Does this include a credit score?
No. Public HMDA data does not include the borrower’s credit score.
Can I use this to choose a lender?
Use the distribution as context. Compare loan terms, fees and your own offers. Borrower mix, timing and products affect every lender comparison.