EMM Loans LLC
Independent mortgage co. · #104 by purchase decisions in 2025 · Conventional 64% · FHA 25% · VA 11%. Above 50% DTI on fha files it approved 94% of 386.
approved of 386 decisions. Across all bands and programs: 97% of 4,840.
Approval by DTI band
Each row is approved versus denied among files whose decision used that ratio. Read the 50–60% row against the ≤43% row: a gap is the signature of a wall at 50.
Conventional
| DTI band | Decisions | Approved · denied | Denials citing DTI |
|---|---|---|---|
| ≤43% | 2,149 | 5% | |
| 44–45% | 256 | 0% | |
| 46–49% | 665 | 11% |
FHA
| DTI band | Decisions | Approved · denied | Denials citing DTI |
|---|---|---|---|
| ≤43% | 476 | 4% | |
| 44–45% | 101 | 14% | |
| 46–49% | 248 | 21% | |
| 50–60% | 386 | 24% |
VA
| DTI band | Decisions | Approved · denied | Denials citing DTI |
|---|---|---|---|
| ≤43% | 242 | 0% | |
| 44–45% | 30 | 0% | |
| 46–49% | 76 | 0% | |
| 50–60% | 163 | 0% |
Rates and costs
Compared with the national market in the same LTV band and points-paid cell; 30-year fixed conforming purchase loans. Builder-owned lenders buy rates down as a sales incentive, which is paid for in the house price.
Where it lends
New Hampshire (634), Florida (610), Pennsylvania (582), Vermont (506), New Jersey (493), Massachusetts (317), Virginia (294), Georgia (290), North Carolina (227), Maryland (171).
Compare EMM Loans LLC with every lender in a state on the approvals, rates and fees pages.
Questions
Does EMM Loans LLC approve loans with a DTI over 50%?
On fha purchase files in 2025, EMM Loans LLC approved 94% of 386 applications with a DTI between 50 and 60 percent. The table on this page shows every band.
Are EMM Loans LLC's rates competitive?
In 2025 its closed conventional loans were priced 15 basis points above the market median after matching LTV band and points paid.
Why does EMM Loans LLC deny applications?
Its most common first-listed denial reason in 2025 was other (32% of denials), followed by debt-to-income ratio (24%).
Where does this come from?
EMM Loans LLC's own 2025 HMDA filing, as published by the CFPB. Purchase loans on site-built, one-unit, owner-occupied homes. Decisions, not policy: files screened out before a formal application never appear. Credit score is withheld from the public file.
Method
Approvals from the approvals dataset (originated vs. denied by DTI band). Rates: HMDA interest rate on 30-year fixed conforming purchase originations, compared cell by cell with the national market. Costs: Closing Disclosure total loan costs, binned to $250. Denial reasons: first reason listed on denied files. Lender type assigned from the name.
Corrections
Every figure traces to EMM Loans LLC’s own filing. If a number looks wrong, write to us and we will re-run it.
Who said yes above 50% DTI: the 2025 lender sheet
2.9 million purchase decisions from 2,523 lenders, ranked by approval rate at 50–60% DTI. One page per state, conventional / FHA / VA. Nobody else publishes it:
- The lenders in your state that actually approve high-ratio files, with the decision count behind every percentage
- Which ones are lenient everywhere and which only above 50%, so you know who to call first
- Builder lenders flagged, so a buydown-fed 95% doesn’t fool you
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