Lenders › EMM Loans LLC › New Hampshire
EMM Loans LLC in New Hampshire
HMDA record for properties in New Hampshire, calendar year 2024. National record · New Hampshire 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 New Hampshire covers 870 applications, 760 of them originated, worth $303m.
Its denial rate in the state was 1.2%, below the New Hampshire rate of 22.8% across all lenders and compared with the lender's national rate of 6.2%.
The median rate spread on its New Hampshire originations was 0.4 percentage points (state median 0.4).
Applications in the state were up 100% on 2023.
Compared with the state and the lender's national record
| Measure | In New Hampshire | New Hampshire, all lenders | EMM Loans LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 1.2% | 22.8% | 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 | 3.5% | 15.9% | 3.2% | 15.6% |
| Average originated loan | $399k | $320k | $341k | $329k |
| Home purchase share | 87.8% | 46.9% | 82.4% | 57.0% |
| FHA-insured share | 14.5% | 7.2% | 27.3% | 13.4% |
| VA-guaranteed share | 7.0% | 5.7% | 7.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNew Hampshire, all lenders
Loan purpose and loan type in New Hampshire
By purpose
Home purchase 88% (667)Refinancing 12% (93)
By type
Conventional 79% (597)FHA 14% (110)VA 7% (53)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in New Hampshire
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 223 | 196 | $80m | 1.4% |
| Rockingham County | 191 | 165 | $75m | 1.7% |
| Grafton County | 152 | 134 | $52m | 1.4% |
| Merrimack County | 95 | 81 | $29m | 2.3% |
| Sullivan County | 64 | 58 | $21m | 0.0% |
| Strafford County | 52 | 45 | $18m | 0.0% |
| Belknap County | 34 | 31 | $12m | 0.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did EMM Loans LLC originate in New Hampshire in 2024?
760 loans totalling $303m, from 870 applications reported for properties in New Hampshire.
What is EMM Loans LLC's denial rate in New Hampshire?
1.2% of decided applications in New Hampshire were denied, against 22.8% 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 New Hampshire counties does EMM Loans LLC lend in most?
By originations: Hillsborough County (196), Rockingham County (165), Grafton County (134), Merrimack County (81), Sullivan County (58).
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 New Hampshire. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.