Lenders › EMM Loans LLC › Georgia
EMM Loans LLC in Georgia
HMDA record for properties in Georgia, calendar year 2024. National record · Georgia 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 Georgia covers 453 applications, 341 of them originated, worth $97m.
Its denial rate in the state was 5.3%, below the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 6.2%.
The median rate spread on its Georgia originations was 0.4 percentage points (state median 0.4).
Applications in the state were up 112% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | EMM Loans LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 5.3% | 26.9% | 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 | 2.7% | 17.5% | 3.2% | 15.6% |
| Average originated loan | $286k | $313k | $341k | $329k |
| Home purchase share | 80.4% | 57.0% | 82.4% | 57.0% |
| FHA-insured share | 29.0% | 18.3% | 27.3% | 13.4% |
| VA-guaranteed share | 5.0% | 11.6% | 7.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 80% (274)Refinancing 20% (67)
By type
Conventional 66% (225)FHA 29% (99)VA 5% (17)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Bibb County | 88 | 79 | $19m | 0.0% |
| Camden County | 43 | 34 | $10m | 0.0% |
| Effingham County | 26 | 22 | $5.9m | — |
| Houston County | 26 | 20 | $5.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did EMM Loans LLC originate in Georgia in 2024?
341 loans totalling $97m, from 453 applications reported for properties in Georgia.
What is EMM Loans LLC's denial rate in Georgia?
5.3% of decided applications in Georgia were denied, against 26.9% 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 Georgia counties does EMM Loans LLC lend in most?
By originations: Bibb County (79), Camden County (34), Effingham County (22), Houston County (20).
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 Georgia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.