Lenders › EMM Loans LLC › Maryland
EMM Loans LLC in Maryland
HMDA record for properties in Maryland, calendar year 2024. National record · Maryland 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 Maryland, EMM Loans LLC reported 271 applications and 192 originations for 2024, $74m in all.
Its denial rate in the state was 4.1%, below the Maryland rate of 24.9% across all lenders and compared with the lender's national rate of 6.2%.
The median rate spread on its Maryland originations was 0.3 percentage points (state median 0.3).
Applications in the state were up 6% on 2023.
Compared with the state and the lender's national record
| Measure | In Maryland | Maryland, all lenders | EMM Loans LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 4.1% | 24.9% | 6.2% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.6% | 17.7% | 3.2% | 15.6% |
| Average originated loan | $385k | $348k | $341k | $329k |
| Home purchase share | 82.8% | 56.2% | 82.4% | 57.0% |
| FHA-insured share | 41.7% | 14.6% | 27.3% | 13.4% |
| VA-guaranteed share | 10.9% | 10.0% | 7.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMaryland, all lenders
Loan purpose and loan type in Maryland
By purpose
Home purchase 83% (159)Refinancing 17% (33)
By type
Conventional 45% (86)FHA 42% (80)VA 11% (21)USDA 3% (5)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Maryland
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Anne Arundel County | 35 | 29 | $15m | 0.0% |
| Baltimore city | 44 | 28 | $7.6m | 2.9% |
| Baltimore County | 33 | 24 | $7.7m | — |
| Cecil County | 30 | 24 | $8.1m | 3.6% |
| Prince George's County | 28 | 15 | $8.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did EMM Loans LLC originate in Maryland in 2024?
192 loans totalling $74m, from 271 applications reported for properties in Maryland.
What is EMM Loans LLC's denial rate in Maryland?
4.1% of decided applications in Maryland were denied, against 24.9% 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 Maryland counties does EMM Loans LLC lend in most?
By originations: Anne Arundel County (29), Baltimore city (28), Baltimore County (24), Cecil County (24), Prince George's County (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 Maryland. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.