Name of the lender

EMI Equity Mortgage, Inc.Mortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2018 to 2025

Head office: San Juan, PR
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

Figures by state (CSV)

EMI Equity Mortgage, Inc. reported 273 mortgage applications in the HMDA data of 2025.

It originated 237 loans in 2025, for $41.5 million in total.

The lender filed the interest rate as “Exempt” for all of its 237 loans originated in 2025. This page shows no median interest rate.

This page shows no median total loan costs, because fewer than 20 loans report the amount.

It denied 0.8% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of EMI Equity Mortgage, Inc., 2025
Figure	This lender	United States
Applications	273Under 0.1% of the US total	11,766,671
Loans originated	237$41.5 million	6,827,891
Median interest rate	ExemptWhy there is no median	6.375%
Median total loan costs	Exempt	$6,413
Denial rate	0.8%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Median interest rate, 2025Exempt

The lender filed the interest rate as “Exempt” for all of its 237 loans originated in 2025.

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians.

The applications, the loans originated and the denial rate on this page do not need the exempt fields.

A lender with a partial exemption can file “Exempt” in place of the interest rate, the total loan costs and some other fields. The glossary has the rule.

If a financial institution is eligible for a partial exemption for a specific transaction, then the financial institution is not required to collect, record, or report certain data points for the transaction.
Source: CFPB, A Beginner’s Guide to Accessing and Using Home Mortgage Disclosure Act Data (June 2022), copied on 2 Oct 2026.

Median interest rate by year: EMI Equity Mortgage, Inc. and the United States

EMI Equity Mortgage, Inc.United States

Action takenHMDA codes and labels

Records of EMI Equity Mortgage, Inc. by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	237	86.8%	50.4%
2Application approved but not accepted	0	0.0%	3.1%
3Application denied	2	0.7%	15.6%
4Application withdrawn by applicant	34	12.5%	12.6%
5File closed for incompleteness	0	0.0%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

The lender has fewer than 25 denials in 2025, so this page shows no reasons.

Loan types and purposesLoans of 2025

Applications of EMI Equity Mortgage, Inc. by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	1	0	n/aUS 23.4%
FHA-insured	229	201	1.0%US 21.8%
VA-guaranteed	21	17	n/aUS 16.2%
USDA Rural Housing Service or Farm Service Agency guaranteed	22	19	n/aUS 12.9%

Applications of EMI Equity Mortgage, Inc. by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	222	188	79.3%
Home improvement	0	0	0.0%
Refinancing	28	28	11.8%
Cash-out refinancing	23	21	8.9%
Other purpose	0	0	0.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends1 state with 25 applications or more

EMI Equity Mortgage, Inc. by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
Puerto Rico	273	237	n/a	n/a	0.8%

Figures by yearHMDA 2022 to 2025

EMI Equity Mortgage, Inc. by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	273	237	n/a	n/a	0.8%	273
2024	289	214	6.750%	$6,463	17.9%	289
2023	259	195	6.500%	$6,781	15.5%	259
2022	285	208	4.750%	$5,885	17.4%	285
2021	n/a	n/a	n/a	n/a	n/a	583
2020	n/a	n/a	n/a	n/a	n/a	611
2019	n/a	n/a	n/a	n/a	n/a	411
2018	n/a	n/a	n/a	n/a	n/a	531

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: EMI Equity Mortgage, Inc. and the United States

EMI Equity Mortgage, Inc.United States

VA lender statisticsLoans that VA guaranteed, by month

VA-guaranteed loans of EMI EQUITY MORTGAGE INC, Sep 2025 to Aug 2026National figures from the Department of Veterans Affairs. VA counts a loan in the month of the guarantee.
Month	All	Purchase	Cash-out refinance	IRRRL
August 2026	1	1	0	0
July 2026	0	0	0	0
June 2026	1	0	1	0
May 2026	3	3	0	0
April 2026	4	2	0	2
March 2026	5	5	0	0
February 2026	1	1	0	0
January 2026	2	2	0	0
December 2025	2	2	0	0
November 2025	1	1	0	0
October 2025	2	2	0	0
September 2025	0	0	0	0

IRRRL is the VA Interest Rate Reduction Refinance Loan. The VA name of the lender is "EMI EQUITY MORTGAGE INC". Every month.

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

Actual Mortgage BankersBayamon, PR
Capital MortgageSan Juan, PR
Coop. de A/C La PuertorriqueñaSan Juan, PR
Cooperativa de A/C CamuyCamuy, PR
Cooperativa de Ahorroy CreditoRincon, PR
Home Mortgage BankersCarolina, PR
HR Mortgage CorpCaguas, PR
Multiples Mortgage Corp.Rio Piedras, PR
RF Mortgage & Investment CorpSan Juan, PR
Senior Mortgage BankerSan Juan, PR
Trust Mortgage Corp.San Juan, PR
VIG MortgageSan Juan, PR

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "EMI Equity Mortgage, Inc. mortgage rates, 2025", https://lenderregister.com/lender/54930050yub4r3zkai03-emi-equity-mortgage-inc/
Lender: EMI Equity Mortgage, Inc., LEI 54930050YUB4R3ZKAI03
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2018 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI. The VA figures are from the VA lender statistics.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did EMI Equity Mortgage, Inc. buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
In which states did EMI Equity Mortgage, Inc. originate the most loans in 2025?: It had 25 applications or more in one state only: Puerto Rico, with 237 loans originated.
Which loan types did EMI Equity Mortgage, Inc. originate in 2025?: 201 FHA, 17 VA and 19 USDA.
How did the applications of EMI Equity Mortgage, Inc. change from 2022 to 2025?: It reported 285 applications in 2022 and 273 in 2025.