Lenders › EMM Loans LLC › Massachusetts
EMM Loans LLC in Massachusetts
HMDA record for properties in Massachusetts, calendar year 2024. National record · Massachusetts 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 Massachusetts covers 569 applications, 439 of them originated, worth $212m.
Its denial rate in the state was 3.4%, below the Massachusetts rate of 22.3% across all lenders and compared with the lender's national rate of 6.2%.
The median rate spread on its Massachusetts originations was 0.4 percentage points (state median 0.2).
Applications in the state were up 62% on 2023.
Compared with the state and the lender's national record
| Measure | In Massachusetts | Massachusetts, all lenders | EMM Loans LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 3.4% | 22.3% | 6.2% | 24.3% |
| Median rate spread, pp | 0.4 | 0.2 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.8% | 11.9% | 3.2% | 15.6% |
| Average originated loan | $482k | $432k | $341k | $329k |
| Home purchase share | 74.3% | 50.7% | 82.4% | 57.0% |
| FHA-insured share | 21.6% | 7.5% | 27.3% | 13.4% |
| VA-guaranteed share | 2.7% | 2.5% | 7.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMassachusetts, all lenders
Loan purpose and loan type in Massachusetts
By purpose
Home purchase 74% (326)Refinancing 26% (113)
By type
Conventional 76% (332)FHA 22% (95)VA 3% (12)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Massachusetts
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Bristol County | 113 | 98 | $40m | 0.0% |
| Middlesex County | 105 | 78 | $46m | 3.6% |
| Worcester County | 85 | 62 | $22m | 8.7% |
| Suffolk County | 68 | 56 | $37m | 0.0% |
| Essex County | 68 | 53 | $23m | 3.4% |
| Norfolk County | 60 | 42 | $21m | 2.2% |
| Plymouth County | 28 | 19 | $9.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did EMM Loans LLC originate in Massachusetts in 2024?
439 loans totalling $212m, from 569 applications reported for properties in Massachusetts.
What is EMM Loans LLC's denial rate in Massachusetts?
3.4% of decided applications in Massachusetts were denied, against 22.3% 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 Massachusetts counties does EMM Loans LLC lend in most?
By originations: Bristol County (98), Middlesex County (78), Worcester County (62), Suffolk County (56), Essex County (53).
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 Massachusetts. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.