Lenders › EMM Loans LLC › Vermont
EMM Loans LLC in Vermont
HMDA record for properties in Vermont, calendar year 2024. National record · Vermont 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 Vermont covers 546 applications, 450 of them originated, worth $156m.
Its denial rate in the state was 2.5%, below the Vermont rate of 19.6% across all lenders and compared with the lender's national rate of 6.2%.
The median rate spread on its Vermont originations was 0.3 percentage points (state median 0.3).
Applications in the state were up 250% on 2023.
Compared with the state and the lender's national record
| Measure | In Vermont | Vermont, all lenders | EMM Loans LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 2.5% | 19.6% | 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 | 2.8% | 14.4% | 3.2% | 15.6% |
| Average originated loan | $346k | $266k | $341k | $329k |
| Home purchase share | 93.6% | 49.9% | 82.4% | 57.0% |
| FHA-insured share | 12.2% | 4.9% | 27.3% | 13.4% |
| VA-guaranteed share | 6.2% | 4.0% | 7.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateVermont, all lenders
Loan purpose and loan type in Vermont
By purpose
Home purchase 94% (421)Refinancing 6% (29)
By type
Conventional 81% (365)FHA 12% (55)VA 6% (28)USDA 0% (2)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Vermont
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Chittenden County | 129 | 115 | $46m | 0.8% |
| Windsor County | 116 | 88 | $29m | 2.1% |
| Washington County | 51 | 44 | $15m | 2.2% |
| Orange County | 44 | 40 | $13m | 0.0% |
| Rutland County | 47 | 35 | $11m | 5.3% |
| Franklin County | 44 | 31 | $10m | 7.9% |
| Windham County | 31 | 29 | $8.9m | 0.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did EMM Loans LLC originate in Vermont in 2024?
450 loans totalling $156m, from 546 applications reported for properties in Vermont.
What is EMM Loans LLC's denial rate in Vermont?
2.5% of decided applications in Vermont were denied, against 19.6% 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 Vermont counties does EMM Loans LLC lend in most?
By originations: Chittenden County (115), Windsor County (88), Washington County (44), Orange County (40), Rutland County (35).
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 Vermont. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.