Emm Loans in Connecticut vs the state
7.1%Denial rate-10.30 pts vs state
8.5%Decision denial rate-13.13 pts vs state
73.6%Origination rate+13.17 pts vs state
6.63%Median rate0.00 pts vs state
0.53Rate spread (pts)+0.29 pts vs state
$118kMedian applicant income
114Loans originated
11Denied
Trend in Connecticut
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 108 | 60 | 10.2% | 6.88% | #128 |
| 2024 | 133 | 89 | 5.3% | 6.88% | #127 |
| 2025 | 155 | 114 | 7.1% | 6.63% | #130 |
What Emm Loans lends in Connecticut
By loan purpose
By loan type
Why it denied Connecticut applicants
Where in Connecticut
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| 09110 | 50 | 38 | 3 | 6.0% |
| 09170 | 31 | 26 | 0 | 0.0% |
| 09140 | 28 | 18 | 2 | 7.1% |
| 09120 | 10 | 9 | 1 | 10.0% |
| 09130 | 10 | 6 | 1 | 10.0% |
| 09160 | 9 | 6 | 1 | 11.1% |
| 09180 | 8 | 5 | 1 | 12.5% |
| 09190 | 7 | 5 | 1 | 14.3% |
| 09150 | 2 | 1 | 1 | 50.0% |
Other large lenders in Connecticut
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,043 | 16.5% | 6.75% |
| Citizens Bank | C | 4,895 | 26.2% | 7.40% |
| Bank of America | F | 4,591 | 32.1% | 6.00% |
| United Shore Financial Services | B | 4,239 | 13.7% | 6.50% |
| Total Mortgage Services | B | 4,219 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 4,030 | 31.8% | 5.99% |
| Liberty Bank | A | 3,513 | 9.5% | 5.99% |
| Webster Bank | C | 2,762 | 21.9% | 6.74% |
| Newrez | D | 2,556 | 21.8% | 6.88% |
| AMERICAN EAGLE FINANCIAL Credit Union | D | 2,463 | 18.9% | 7.75% |
Frequently asked questions
Connecticut: 155 applications in 2025, of which 114 were originated and 11 denied.
7.1% of all applications, or 8.5% of the applications it actually decided on. The Connecticut statewide average across all lenders was 17.4%.
The median rate on loans Emm Loans originated in Connecticut in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Emm Loans's own HMDA filing for properties located in Connecticut, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology