Emm Loans in California vs the state
4.8%Denial rate-12.66 pts vs state
12.0%Decision denial rate-10.40 pts vs state
34.9%Origination rate-21.28 pts vs state
6.25%Median rate-0.38 pts vs state
0.25Rate spread (pts)-0.03 pts vs state
$96kMedian applicant income
22Loans originated
3Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 115 | 26 | 10.4% | 6.13% | #414 |
| 2024 | 102 | 20 | 19.6% | 5.88% | #438 |
| 2025 | 63 | 22 | 4.8% | 6.25% | #498 |
What Emm Loans lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Bernardino County | 9 | 2 | 0 | 0.0% |
| Kern County | 6 | 2 | 0 | 0.0% |
| San Diego County | 6 | 2 | 0 | 0.0% |
| Riverside County | 5 | 4 | 0 | 0.0% |
| Fresno County | 4 | 1 | 0 | 0.0% |
| Sacramento County | 4 | 2 | 0 | 0.0% |
| Orange County | 3 | 1 | 0 | 0.0% |
| Sonoma County | 3 | 1 | 0 | 0.0% |
| Los Angeles County | 3 | 1 | 0 | 0.0% |
| El Dorado County | 3 | 1 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 63 applications in 2025, of which 22 were originated and 3 denied.
4.8% of all applications, or 12.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Emm Loans originated in California in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Emm Loans's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology