Lenders › EMM Loans LLC › South Carolina
EMM Loans LLC in South Carolina
HMDA record for properties in South Carolina, calendar year 2024. National record · South Carolina 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 South Carolina covers 166 applications, 123 of them originated, worth $48m.
Its denial rate in the state was 3.7%, below the South Carolina rate of 25.2% across all lenders and compared with the lender's national rate of 6.2%.
The median rate spread on its South Carolina originations was 0.4 percentage points (state median 0.3).
Applications in the state were down 6% on 2023.
Compared with the state and the lender's national record
| Measure | In South Carolina | South Carolina, all lenders | EMM Loans LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 3.7% | 25.2% | 6.2% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.1% | 15.5% | 3.2% | 15.6% |
| Average originated loan | $392k | $296k | $341k | $329k |
| Home purchase share | 78.9% | 62.8% | 82.4% | 57.0% |
| FHA-insured share | 13.8% | 16.5% | 27.3% | 13.4% |
| VA-guaranteed share | 3.3% | 12.9% | 7.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateSouth Carolina, all lenders
Loan purpose and loan type in South Carolina
By purpose
Home purchase 79% (97)Refinancing 21% (26)
By type
Conventional 83% (102)FHA 14% (17)VA 3% (4)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in South Carolina
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Beaufort County | 100 | 93 | $37m | 1.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did EMM Loans LLC originate in South Carolina in 2024?
123 loans totalling $48m, from 166 applications reported for properties in South Carolina.
What is EMM Loans LLC's denial rate in South Carolina?
3.7% of decided applications in South Carolina were denied, against 25.2% 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 South Carolina counties does EMM Loans LLC lend in most?
By originations: Beaufort County (93).
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 South Carolina. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.