Lenders › EMM Loans LLC › Alabama
EMM Loans LLC in Alabama
HMDA record for properties in Alabama, calendar year 2024. National record · Alabama overview
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. Cells under 25 applications are withheld.
In Alabama, EMM Loans LLC reported 150 applications and 113 originations for 2024, $33m in all.
Its denial rate in the state was 3.3%, below the Alabama rate of 26.3% across all lenders and compared with the lender's national rate of 6.2%.
The median rate spread on its Alabama originations was 0.4 percentage points (state median 0.4).
Applications in the state were up 33% on 2023.
Compared with the state and the lender's national record
| Measure | In Alabama | Alabama, all lenders | EMM Loans LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 3.3% | 26.3% | 6.2% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.8% | 16.5% | 3.2% | 15.6% |
| Average originated loan | $292k | $228k | $341k | $329k |
| Home purchase share | 85.8% | 59.0% | 82.4% | 57.0% |
| FHA-insured share | 37.2% | 18.0% | 27.3% | 13.4% |
| VA-guaranteed share | 9.7% | 12.5% | 7.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateAlabama, all lenders
Loan purpose and loan type in Alabama
By purpose
Home purchase 86% (97)Refinancing 14% (16)
By type
Conventional 50% (56)FHA 37% (42)VA 10% (11)USDA 4% (4)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Alabama
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Lee County | 70 | 60 | $19m | 0.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did EMM Loans LLC originate in Alabama in 2024?
113 loans totalling $33m, from 150 applications reported for properties in Alabama.
What is EMM Loans LLC's denial rate in Alabama?
3.3% of decided applications in Alabama were denied, against 26.3% for all lenders in the state and 6.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Alabama counties does EMM Loans LLC lend in most?
By originations: Lee County (60).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Alabama. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.