{
  "canonical_url": "https://lendb.ai/lender/emm-loans-llc-2926",
  "summary": "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.",
  "lender": {
    "nmls_id": 2926,
    "slug": "emm-loans-llc-2926",
    "canonical_url": "https://lendb.ai/lender/emm-loans-llc-2926",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2926",
    "name": {
      "value": "emm loans llc",
      "source": "state_regulator",
      "source_url": "https://emmloans.com",
      "verified_at": "2026-10-13"
    },
    "dba_names": [],
    "type": "other",
    "website": {
      "value": "https://emmloans.com",
      "source": "state_regulator",
      "source_url": "https://emmloans.com",
      "verified_at": "2026-10-13"
    },
    "lo_directory_url": null,
    "hq_state": null,
    "loan_programs": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://emmloans.com",
      "verified_at": "2026-10-13"
    },
    "program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "activity": {
      "source": "HMDA",
      "source_name": "HMDA, FFIEC/CFPB",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of_year": 2025,
      "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)",
      "third_party_share": 0.668,
      "includes_brokered": true,
      "years": [
        {
          "year": 2025,
          "loans": 6547,
          "by_loan_type": {
            "conventional": 4233,
            "fha": 1642,
            "va": 615,
            "usda": 57
          },
          "purchase": 5485,
          "refinance": 1062,
          "other_purpose": 0,
          "jumbo": 66,
          "investor": 295,
          "volume_usd": 2344265000
        },
        {
          "year": 2024,
          "loans": 5285,
          "by_loan_type": {
            "conventional": 3367,
            "fha": 1445,
            "va": 411,
            "usda": 62
          },
          "purchase": 4354,
          "refinance": 931,
          "other_purpose": 0,
          "jumbo": 43,
          "investor": 257,
          "volume_usd": 1802185000
        }
      ],
      "top_states": [
        {
          "state": "NH",
          "loans": 806
        },
        {
          "state": "FL",
          "loans": 742
        },
        {
          "state": "PA",
          "loans": 717
        },
        {
          "state": "NJ",
          "loans": 658
        },
        {
          "state": "VT",
          "loans": 644
        }
      ],
      "note": "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_officer_count": 11,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-13"
  },
  "loan_officers": [
    {
      "nmls_id": 173326,
      "slug": "bayard-wagenseller-173326",
      "full_name": "Bayard Wagenseller",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/bayard-wagenseller-173326"
    },
    {
      "nmls_id": 205711,
      "slug": "brad-miller-205711",
      "full_name": "Brad Miller",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/brad-miller-205711"
    },
    {
      "nmls_id": 34562,
      "slug": "brian-beadling-34562",
      "full_name": "Brian Beadling",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/brian-beadling-34562"
    },
    {
      "nmls_id": 133919,
      "slug": "david-gesin-133919",
      "full_name": "David Gesin",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/david-gesin-133919"
    },
    {
      "nmls_id": 7136,
      "slug": "david-goodstadt-7136",
      "full_name": "David Goodstadt",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/david-goodstadt-7136"
    },
    {
      "nmls_id": 116930,
      "slug": "edward-williams-116930",
      "full_name": "Edward Williams",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/edward-williams-116930"
    },
    {
      "nmls_id": 2793380,
      "slug": "gregory-garrett-2793380",
      "full_name": "Gregory Garrett",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/gregory-garrett-2793380"
    },
    {
      "nmls_id": 137668,
      "slug": "john-lloyd-137668",
      "full_name": "John Lloyd",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/john-lloyd-137668"
    },
    {
      "nmls_id": 108846,
      "slug": "joseph-raffa-108846",
      "full_name": "Joseph Raffa",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/joseph-raffa-108846"
    },
    {
      "nmls_id": 1325872,
      "slug": "lindsi-russo-1325872",
      "full_name": "Lindsi Russo",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/lindsi-russo-1325872"
    },
    {
      "nmls_id": 303573,
      "slug": "steven-wills-303573",
      "full_name": "Steven Wills",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/steven-wills-303573"
    }
  ]
}