Lenders › EMM Loans LLC
EMM Loans LLC
HMDA reporter, headquartered in Cherry Hill, New Jersey. Record for calendar year 2024.
HMDA data alone cannot be used 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. Figures are from the 2024 public HMDA loan/application register; cells under 25 applications are withheld.
EMM Loans LLC reported 7,355 mortgage applications under the Home Mortgage Disclosure Act for 2024 in 28 states, of which 5,285 became loans it originated, for $1.8bn in total.
Its denial rate, the share of decided applications the lender denied, was 6.2%, below the national rate of 24.3% and below the Florida rate of 29.0%. 718 applications were withdrawn by the applicant and 689 files were closed for incompleteness; those are not counted in the denial rate.
The median rate spread on its originated loans, the difference between the loan's APR and the average prime offer rate, was 0.4 percentage points (national median 0.3); 3.2% of its originations had a spread of 1.5 points or more.
By loan purpose the originations were mostly home purchase (82%) and refinancing (18%); by loan type, conventional (64%) and FHA (27%).
The largest volumes were in Florida (599 originations), New Hampshire (760 originations) and Pennsylvania (577 originations).
Applications were up 21% on 2023.
VA lender statistics list 60 VA-guaranteed loans for the lender in August 2026.
Compared with Florida and the nation
| Measure | This lender | Florida, all lenders | United States |
|---|---|---|---|
| Denial rate (denied ÷ decided applications) | 6.2% | 29.0% | 24.3% |
| Median rate spread, percentage points | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.2% | 16.4% | 15.6% |
| Average originated loan | $341k | $359k | $329k |
| Home purchase share of originations | 82.4% | 62.9% | 57.0% |
| FHA-insured share of originations | 27.3% | 17.7% | 13.4% |
| VA-guaranteed share of originations | 7.8% | 9.5% | 7.9% |
| Applications withdrawn by applicant | 9.8% | 15.9% | 14.3% |
Florida is the lender's largest state by applications. State and national columns cover every HMDA reporter. Rate spread is reported on originated loans only.
Trend by year
ApplicationsOriginations
This lenderFloridaUnited States
| Year | Applications | Originations | Amount | Denial rate | Median spread | LAR records |
|---|---|---|---|---|---|---|
| 2018 | — | — | — | — | — | 11,756 |
| 2019 | — | — | — | — | — | 12,610 |
| 2020 | — | — | — | — | — | 15,096 |
| 2021 | — | — | — | — | — | 13,837 |
| 2022 | 7,822 | 5,210 | $1.6bn | 6.1% | 0.5 | 7,825 |
| 2023 | 6,067 | 3,982 | $1.2bn | 6.3% | 0.4 | 6,069 |
| 2024 | 7,355 | 5,285 | $1.8bn | 6.2% | 0.4 | 7,355 |
Applications, originations and rates are computed from the public LAR for 2022, 2023, 2024; LAR record counts come from each year's transmittal sheet.
Loan purpose and loan type
By purpose
Home purchase 82% (4,354)Refinancing 18% (931)
By type
Conventional 64% (3,367)FHA 27% (1,445)VA 8% (411)USDA 1% (62)
| Loan type | Applications | Originations | Denied | Denial rate (of applications) |
|---|---|---|---|---|
| Conventional | 4,180 | 3,367 | 90 | 2.2% |
| FHA-insured | 2,547 | 1,445 | 248 | 9.7% |
| VA-guaranteed | 545 | 411 | 25 | 4.6% |
| USDA Rural Housing Service or Farm Service Agency guaranteed | 83 | 62 | 3 | 3.6% |
Shares are of originated loans. The per-type denial rate here divides denials by all applications of that type, because decided counts are not kept per type.
Action taken
| HMDA action taken | Records | Share |
|---|---|---|
| 1 Loan originated | 5,285 | 71.9% |
| 2 Application approved but not accepted | 297 | 4.0% |
| 3 Application denied | 366 | 5.0% |
| 4 Application withdrawn by applicant | 718 | 9.8% |
| 5 File closed for incompleteness | 689 | 9.4% |
| 6 Purchased loan | 0 | 0.0% |
| 7 Preapproval request denied | 0 | 0.0% |
| 8 Preapproval request approved but not accepted | 0 | 0.0% |
Codes and labels are the HMDA action-taken codes. Applications are codes 1–5; the denial rate divides code 3 by codes 1–3.
Denial reasons as coded
Share of the lender's 366 denials by the first denial reason it coded (outlined bar: all lenders nationally). Lenders may record up to four reasons; only the first is counted here.
States
| State | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|
| Florida | 907 | 599 | $202m | 9.9% | 0.4 |
| New Hampshire | 870 | 760 | $303m | 1.2% | 0.4 |
| Pennsylvania | 739 | 577 | $160m | 6.2% | 0.3 |
| New Jersey | 719 | 527 | $182m | 5.4% | 0.4 |
| Massachusetts | 569 | 439 | $212m | 3.4% | 0.4 |
| Vermont | 546 | 450 | $156m | 2.5% | 0.3 |
| Georgia | 453 | 341 | $97m | 5.3% | 0.4 |
| Maryland | 271 | 192 | $74m | 4.1% | 0.3 |
| North Carolina | 262 | 166 | $48m | 4.4% | 0.3 |
| Virginia | 232 | 185 | $54m | 6.3% | 0.2 |
| Ohio | 182 | 103 | $29m | 10.5% | 0.4 |
| South Carolina | 166 | 123 | $48m | 3.7% | 0.4 |
| Alabama | 150 | 113 | $33m | 3.3% | 0.4 |
| New York | 136 | 101 | $36m | 4.5% | 0.7 |
| Kentucky | 134 | 82 | $16m | 9.6% | 0.3 |
| Connecticut | 133 | 89 | $27m | 6.8% | 0.5 |
| Michigan | 112 | 73 | $16m | 12.9% | 0.5 |
| California | 102 | 20 | $7.2m | 47.6% | — |
| Indiana | 85 | 37 | $8.0m | 25.0% | 0.3 |
| Tennessee | 84 | 50 | $14m | 11.9% | 0.5 |
| Delaware | 64 | 44 | $15m | 4.0% | 0.1 |
| Maine | 64 | 55 | $19m | 1.7% | 0.5 |
| Illinois | 47 | 19 | $4.4m | 23.1% | — |
| Arizona | 46 | 12 | $4.2m | — | — |
| Louisiana | 45 | 17 | $3.9m | — | — |
| Minnesota | 41 | 11 | $2.8m | — | — |
| Wisconsin | 32 | 16 | $3.7m | — | — |
| Mississippi | 32 | 14 | $3.0m | — | — |
States with at least 25 applications. States with 100 or more link to the lender's page for that state.
Counties
| County | State | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|---|
| Hillsborough County | NH | 223 | 196 | $80m | 1.4% |
| Rockingham County | NH | 191 | 165 | $75m | 1.7% |
| Grafton County | NH | 152 | 134 | $52m | 1.4% |
| Camden County | NJ | 153 | 115 | $33m | 5.1% |
| Chittenden County | VT | 129 | 115 | $46m | 0.8% |
| Duval County | FL | 149 | 110 | $36m | 4.9% |
| Burlington County | NJ | 139 | 109 | $37m | 5.8% |
| Montgomery County | PA | 121 | 102 | $38m | 5.4% |
| Bristol County | MA | 113 | 98 | $40m | 0.0% |
| Beaufort County | SC | 100 | 93 | $37m | 1.0% |
| Windsor County | VT | 116 | 88 | $29m | 2.1% |
| Merrimack County | NH | 95 | 81 | $29m | 2.3% |
| Bibb County | GA | 88 | 79 | $19m | 0.0% |
| Middlesex County | MA | 105 | 78 | $46m | 3.6% |
| Lebanon County | PA | 92 | 78 | $12m | 2.5% |
| Worcester County | MA | 85 | 62 | $22m | 8.7% |
| Gloucester County | NJ | 86 | 61 | $16m | 4.2% |
| Lee County | AL | 70 | 60 | $19m | 0.0% |
| Sullivan County | NH | 64 | 58 | $21m | 0.0% |
| Jefferson County | KY | 76 | 56 | $9.2m | 5.0% |
| Suffolk County | MA | 68 | 56 | $37m | 0.0% |
| Essex County | MA | 68 | 53 | $23m | 3.4% |
| St. Johns County | FL | 64 | 52 | $23m | 5.2% |
| York County | PA | 67 | 50 | $13m | 7.4% |
| Surry County | NC | 54 | 47 | $13m | 0.0% |
| Strafford County | NH | 52 | 45 | $18m | 0.0% |
| Cumberland County | PA | 63 | 44 | $10m | 18.5% |
| Washington County | VT | 51 | 44 | $15m | 2.2% |
| Lancaster County | PA | 52 | 43 | $13m | 2.1% |
| Norfolk County | MA | 60 | 42 | $21m | 2.2% |
Up to 30 counties with at least 50 applications, by originations.
VA-guaranteed loans by month
All VA loansPurchase
| Month | All | Purchase | Cash-out | IRRRL |
|---|---|---|---|---|
| Aug 2026 | 60 | 57 | 2 | 1 |
| Jul 2026 | 62 | 59 | 3 | 0 |
| Jun 2026 | 63 | 58 | 4 | 1 |
| May 2026 | 38 | 37 | 0 | 1 |
| Apr 2026 | 61 | 46 | 9 | 6 |
| Mar 2026 | 70 | 59 | 3 | 8 |
| Feb 2026 | 40 | 28 | 5 | 7 |
| Jan 2026 | 39 | 32 | 5 | 2 |
| Dec 2025 | 52 | 43 | 5 | 4 |
| Nov 2025 | 69 | 46 | 12 | 11 |
| Oct 2025 | 35 | 34 | 0 | 1 |
| Sep 2025 | 50 | 45 | 5 | 0 |
Fiscal-year totals (VA): FY2018 102,067,328 · FY2019 107,986,210 · FY2020 153,809,129 · FY2021 147,592,470 · FY2022 114,476,994 · FY2023 133,253,219 · FY2024 134,221,058 · FY2025 252,980,292. Matched to the VA lender name "EMM LOANS LLC"; VA counts loans by guarantee date, HMDA by application year, so the two series differ.
Questions and answers
How many mortgages did EMM Loans LLC originate in 2024?
5,285 loans totalling $1.8bn, from 7,355 applications reported under HMDA. It also purchased 0 loans from other institutions, which are counted separately.
What is EMM Loans LLC's denial rate and how does it compare?
6.2% of decided applications were denied in 2024, against 24.3% nationally and 29.0% in Florida. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws; the data do not include some legitimate credit risk considerations.
Which counties does EMM Loans LLC lend in most?
By originations: Hillsborough County, NH (196), Rockingham County, NH (165), Grafton County, NH (134), Camden County, NJ (115) and Chittenden County, VT (115).
What loan types does EMM Loans LLC make?
Conventional 3,367, FHA 1,445, VA 411 and USDA 62 originations in 2024; by purpose, home purchase 4,354, home improvement 0, refinancing 931, cash-out refinancing 0 and other purpose 0.
What reasons did EMM Loans LLC report for denials?
The first denial reason recorded most often was collateral (117), debt-to-income ratio (85) and other (59), as coded by the lender in its HMDA filing.
Where does this data come from?
From the 2024 public HMDA loan/application register published by the FFIEC and CFPB, with the lender's name from its HMDA transmittal sheet and VA loan volume from the Department of Veterans Affairs lender statistics. Cells under 25 applications are withheld.
Provenance
Source: Home Mortgage Disclosure Act public loan/application register for 2024 (trend years 2022, 2023, 2024) and transmittal sheets 2018–2024, published by the FFIEC and CFPB at ffiec.cfpb.gov, public domain; VA lender statistics from the Department of Veterans Affairs. Lender identity is the LEI and name on its transmittal sheet. This site was built 30 Sep 2026. Errors in processing are corrected at the next build; see corrections. Data through 1 Aug 2026.