Lenders › EMM Loans LLC › Virginia
EMM Loans LLC in Virginia
HMDA record for properties in Virginia, calendar year 2024. National record · Virginia 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 Virginia, EMM Loans LLC reported 232 applications and 185 originations for 2024, $54m in all.
Its denial rate in the state was 6.3%, below the Virginia rate of 22.1% across all lenders and compared with the lender's national rate of 6.2%.
The median rate spread on its Virginia originations was 0.2 percentage points (state median 0.3).
Applications in the state were down 24% on 2023.
Compared with the state and the lender's national record
| Measure | In Virginia | Virginia, all lenders | EMM Loans LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 6.3% | 22.1% | 6.2% | 24.3% |
| Median rate spread, pp | 0.2 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.9% | 16.5% | 3.2% | 15.6% |
| Average originated loan | $292k | $352k | $341k | $329k |
| Home purchase share | 85.9% | 55.8% | 82.4% | 57.0% |
| FHA-insured share | 23.8% | 11.7% | 27.3% | 13.4% |
| VA-guaranteed share | 18.4% | 16.4% | 7.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateVirginia, all lenders
Loan purpose and loan type in Virginia
By purpose
Home purchase 86% (159)Refinancing 14% (26)
By type
Conventional 51% (94)FHA 24% (44)VA 18% (34)USDA 7% (13)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Virginia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Virginia Beach city | 29 | 23 | $7.3m | — |
| Lynchburg city | 25 | 23 | $5.6m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did EMM Loans LLC originate in Virginia in 2024?
185 loans totalling $54m, from 232 applications reported for properties in Virginia.
What is EMM Loans LLC's denial rate in Virginia?
6.3% of decided applications in Virginia were denied, against 22.1% 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 Virginia counties does EMM Loans LLC lend in most?
By originations: Virginia Beach city (23), Lynchburg city (23).
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 Virginia. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.