Lender profile · HMDA 2023–2025
Emm Loans LLC mortgage approval rates & lending data
Emm Loans LLC decided 13,571 mortgage applications and funded 11,952 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 9,800 / 10,226 | 94% | $335K | 9,246 |
| Refinance | 86% | 2,115 / 2,463 | 91% | $275K | 1,923 |
| Investment property purchase | 97% | 665 / 686 | 92% | $265K | 613 |
| Investment refinance | 96% | 189 / 196 | 90% | $265K | 170 |
Emm Loans LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 92% | $305K | 2,050 | 1,764 |
| Pennsylvania | 95% | $255K | 2,013 | 1,814 |
| New Jersey | 94% | $335K | 1,673 | 1,446 |
| New Hampshire | 98% | $405K | 1,329 | 1,234 |
| Massachusetts | 97% | $455K | 1,312 | 1,210 |
| Maryland | 96% | $345K | 566 | 484 |
| Georgia | 94% | $235K | 562 | 497 |
| South Carolina | 95% | $365K | 465 | 418 |
| Virginia | 97% | $375K | 430 | 392 |
| North Carolina | 96% | $375K | 411 | 373 |
| Vermont | 99% | $385K | 314 | 298 |
| New York | 96% | $365K | 258 | 219 |
| Kentucky | 86% | $185K | 243 | 202 |
| Ohio | 90% | $225K | 241 | 204 |
| Connecticut | 93% | $315K | 228 | 200 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.