Lender
emm loans llc
Company NMLS ID 2926 (opens in a new tab) · emmloans.com (opens in a new tab)
emm loans llc (company NMLS 2926) is a mortgage lender. LenDb lists 11 of its loan officers, each with an individual NMLS ID, licensed states and sources.
Last verified . Sources: emm loans llc's own loan officer directory and NMLS Consumer Access.
- 11 loan officers on LenDb
- 0 branch states
- Disciplinary history not yet checked
- FHA-approved lender (HUD FHA data, loans endorsed through Aug 2026) (opens in a new tab)
Lending activity (HMDA)
Funded 6,547 home loans in 2025 (HMDA), including loans brokers originated; 4,233 conventional
- By loan type: 4,233 conventional, 1,642 FHA, 615 VA, 57 USDA.
- By purpose: 5,485 purchase, 1,062 refinance.
- 66 jumbo (above the conforming loan limit); 295 for investment properties.
- Up 24% from 2024 (5,285 loans).
- About $2.3 billion in loan amounts (HMDA reports amounts in $10,000 bands).
- 67% of these loans came in through a third party such as a mortgage broker.
Most loans in New Hampshire (806), Florida (742), Pennsylvania (717).
Source: HMDA, FFIEC/CFPB, 2025 (opens in a new tab). Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans.
Loan officers
Branch not listed 11
- Bayard Wagenseller · NMLS 173326
- Brad Miller · NMLS 205711
- Brian Beadling · NMLS 34562
- David Gesin · NMLS 133919
- David Goodstadt · NMLS 7136
- Edward Williams · NMLS 116930
- Gregory Garrett · NMLS 2793380
- John Lloyd · NMLS 137668
- Joseph Raffa · NMLS 108846
- Lindsi Russo · NMLS 1325872
- Steven Wills · NMLS 303573
Source: state regulator, verified 2026-10-13. Also as JSON. Lender-neutral: nobody pays to be listed or ranked.