Emm Loans in Massachusetts vs the state
0.8%Denial rate-15.43 pts vs state
0.9%Decision denial rate-19.04 pts vs state
82.1%Origination rate+19.50 pts vs state
6.75%Median rate+0.13 pts vs state
0.37Rate spread (pts)+0.28 pts vs state
$152kMedian applicant income
523Loans originated
5Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 352 | 258 | 4.8% | 6.75% | #105 |
| 2024 | 569 | 439 | 2.8% | 6.75% | #69 |
| 2025 | 637 | 523 | 0.8% | 6.75% | #71 |
What Emm Loans lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bristol County | 119 | 105 | 1 | 0.8% |
| Middlesex County | 114 | 90 | 1 | 0.9% |
| Worcester County | 97 | 80 | 0 | 0.0% |
| Suffolk County | 89 | 78 | 0 | 0.0% |
| Essex County | 69 | 57 | 2 | 2.9% |
| Norfolk County | 57 | 42 | 0 | 0.0% |
| Plymouth County | 52 | 40 | 1 | 1.9% |
| Hampden County | 16 | 12 | 0 | 0.0% |
| Barnstable County | 9 | 8 | 0 | 0.0% |
| Berkshire County | 6 | 3 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 637 applications in 2025, of which 523 were originated and 5 denied.
0.8% of all applications, or 0.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Emm Loans originated in Massachusetts in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Emm Loans's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology