Lenders › EMM Loans LLC › California
EMM Loans LLC in California
HMDA record for properties in California, calendar year 2024. National record · California 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.
EMM Loans LLC's 2024 HMDA record for California covers 102 applications, 20 of them originated, worth $7.2m.
Its denial rate in the state was 47.6%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 6.2%.
Applications in the state were down 11% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | EMM Loans LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 47.6% | 24.8% | 6.2% | 24.3% |
| Median rate spread, pp | — | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | — | 19.9% | 3.2% | 15.6% |
| Average originated loan | — | $566k | $341k | $329k |
| Home purchase share | 0.0% | 51.2% | 82.4% | 57.0% |
| FHA-insured share | 70.0% | 11.4% | 27.3% | 13.4% |
| VA-guaranteed share | 10.0% | 4.8% | 7.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Refinancing 100% (20)
By type
Conventional 20% (4)FHA 70% (14)VA 10% (2)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in California
No county in the state reaches 25 applications.
Questions and answers
How many mortgages did EMM Loans LLC originate in California in 2024?
20 loans totalling $7.2m, from 102 applications reported for properties in California.
What is EMM Loans LLC's denial rate in California?
47.6% of decided applications in California were denied, against 24.8% 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 California counties does EMM Loans LLC lend in most?
No county in the state reaches 25 applications.
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 California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.