Emm Loans LLC mortgage approval rate & lending review
Emm Loans LLC decided 13,571 mortgage applications and funded 11,952 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Emm Loans LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to emmloans.com.
Emm Loans LLC at a glance
Approval is 8.6 points above the 85.4% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Emm Loans LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hillsborough County, NH | Mortgage lenders | 97% | 416 | 391 |
| Rockingham County, NH | Mortgage lenders | 98% | 374 | 356 |
| Duval County, FL | Mortgage lenders | 99% | 347 | 318 |
| Camden County, NJ | Mortgage lenders | 94% | 294 | 258 |
| Montgomery County, PA | Mortgage lenders | 97% | 267 | 248 |
| Burlington County, NJ | Mortgage lenders | 95% | 251 | 228 |
| Lancaster County, PA | Mortgage lenders | 98% | 199 | 190 |
| Bristol County, MA | Mortgage lenders | 98% | 195 | 188 |
| Merrimack County, NH | Mortgage lenders | 97% | 201 | 183 |
| Gloucester County, NJ | Mortgage lenders | 95% | 186 | 163 |
| Bibb County, GA | Mortgage lenders | 99% | 170 | 161 |
| Lebanon County, PA | Mortgage lenders | 98% | 168 | 161 |
The county markets where Emm Loans LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Emm Loans LLC
What is Emm Loans LLC's mortgage approval rate?
Emm Loans LLC approved 94.1% of the 13,571 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.6 points above the 85.4% national rate for the same mix of loan types.
How often do borrowers take the loan Emm Loans LLC offers?
Borrowers accepted 94% of the loans Emm Loans LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Emm Loans LLC make?
The typical home purchase mortgage loan Emm Loans LLC made was $335K; across all loan types its typical loan ran from $265K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Emm Loans LLC lend?
Emm Loans LLC decided applications in 38 of the states Fat Boy Data covers, most of them in Florida, Pennsylvania and New Jersey.
Can I apply to Emm Loans LLC directly?
Yes. Emm Loans LLC reports as a direct lender that takes applications from borrowers. Its website is emmloans.com.
Does this page show Emm Loans LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Emm Loans LLC treats applications, then get a rate quote from the lender.