Emm Loans in Florida vs the state
6.1%Denial rate-14.99 pts vs state
7.2%Decision denial rate-20.09 pts vs state
75.0%Origination rate+22.34 pts vs state
6.50%Median rate-0.13 pts vs state
0.25Rate spread (pts)-0.02 pts vs state
$113kMedian applicant income
742Loans originated
60Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 854 | 528 | 5.5% | 6.63% | #170 |
| 2024 | 907 | 599 | 7.7% | 6.63% | #162 |
| 2025 | 989 | 742 | 6.1% | 6.50% | #153 |
What Emm Loans lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 235 | 199 | 3 | 1.3% |
| St. Johns County | 122 | 99 | 2 | 1.6% |
| Hillsborough County | 69 | 48 | 4 | 5.8% |
| Clay County | 44 | 35 | 1 | 2.3% |
| Pinellas County | 35 | 23 | 4 | 11.4% |
| Volusia County | 33 | 21 | 2 | 6.1% |
| Pasco County | 30 | 21 | 3 | 10.0% |
| Marion County | 30 | 21 | 5 | 16.7% |
| St. Lucie County | 30 | 21 | 6 | 20.0% |
| Brevard County | 28 | 18 | 1 | 3.6% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 989 applications in 2025, of which 742 were originated and 60 denied.
6.1% of all applications, or 7.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Emm Loans originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Emm Loans's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology