Lenders › EMM Loans LLC › Connecticut
EMM Loans LLC in Connecticut
HMDA record for properties in Connecticut, calendar year 2024. National record · Connecticut 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 Connecticut, EMM Loans LLC reported 133 applications and 89 originations for 2024, $27m in all.
Its denial rate in the state was 6.8%, below the Connecticut rate of 23.7% across all lenders and compared with the lender's national rate of 6.2%.
The median rate spread on its Connecticut originations was 0.5 percentage points (state median 0.3).
Applications in the state were up 23% on 2023.
Compared with the state and the lender's national record
| Measure | In Connecticut | Connecticut, all lenders | EMM Loans LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 6.8% | 23.7% | 6.2% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.4% | 14.8% | 3.2% | 15.6% |
| Average originated loan | $305k | $325k | $341k | $329k |
| Home purchase share | 82.0% | 52.6% | 82.4% | 57.0% |
| FHA-insured share | 28.1% | 9.1% | 27.3% | 13.4% |
| VA-guaranteed share | 5.6% | 3.5% | 7.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateConnecticut, all lenders
Loan purpose and loan type in Connecticut
By purpose
Home purchase 82% (73)Refinancing 18% (16)
By type
Conventional 66% (59)FHA 28% (25)VA 6% (5)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Connecticut
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Capitol Planning Region | 38 | 27 | $7.1m | 6.3% |
| South Central Connecticut Planning Region | 26 | 15 | $4.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did EMM Loans LLC originate in Connecticut in 2024?
89 loans totalling $27m, from 133 applications reported for properties in Connecticut.
What is EMM Loans LLC's denial rate in Connecticut?
6.8% of decided applications in Connecticut were denied, against 23.7% 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 Connecticut counties does EMM Loans LLC lend in most?
By originations: Capitol Planning Region (27), South Central Connecticut Planning Region (15).
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 Connecticut. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.