Lenders › EMM Loans LLC › Kentucky
EMM Loans LLC in Kentucky
HMDA record for properties in Kentucky, calendar year 2024. National record · Kentucky 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 Kentucky covers 134 applications, 82 of them originated, worth $16m.
Its denial rate in the state was 9.6%, below the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 6.2%.
The median rate spread on its Kentucky originations was 0.3 percentage points (state median 0.4).
Applications in the state were down 19% on 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | EMM Loans LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 9.6% | 25.0% | 6.2% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.6% | 16.0% | 3.2% | 15.6% |
| Average originated loan | $201k | $219k | $341k | $329k |
| Home purchase share | 79.3% | 55.3% | 82.4% | 57.0% |
| FHA-insured share | 42.7% | 14.6% | 27.3% | 13.4% |
| VA-guaranteed share | 3.7% | 8.0% | 7.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 79% (65)Refinancing 21% (17)
By type
Conventional 54% (44)FHA 43% (35)VA 4% (3)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Kentucky
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jefferson County | 76 | 56 | $9.2m | 5.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did EMM Loans LLC originate in Kentucky in 2024?
82 loans totalling $16m, from 134 applications reported for properties in Kentucky.
What is EMM Loans LLC's denial rate in Kentucky?
9.6% of decided applications in Kentucky were denied, against 25.0% 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 Kentucky counties does EMM Loans LLC lend in most?
By originations: Jefferson County (56).
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 Kentucky. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.