Lender in Massachusetts · HMDA 2025
Emm Loans LLC mortgages in Massachusetts
Emm Loans LLC's 2025 home-purchase and refinance lending in Massachusetts, compared with all lenders in the state.
Emm Loans LLC originated 454 owner-occupied single-family loans in Massachusetts from 479 completed applications.
Its median conventional purchase loan costs were $6,790 versus $5,240 for all Massachusetts lenders, at a median 30-year fixed rate of 6.875% (Massachusetts: 6.575%).
Loans in MA
454
of 479 applications
Denial rate
0.8%
Purchase · MA 6.3%
Rate spread
+0.40 pts
Conv. · MA +0.02 pts
Loan amount
$475,000
Purchase · MA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 362 | 349 | 0.8% | 6.875% | +0.40 pts | $6,790 | $475,000 |
| Refinance | 117 | 105 | 1.7% | 6.990% | +0.35 pts | $6,650 | $485,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Massachusetts counties where Emm Loans LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Dukes County | 8 | 4 | 3.0% |
| Bristol County | 17 | 99 | 1.6% |
| Suffolk County | 25 | 48 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology