Emm Loans in Minnesota vs the state
15.0%Denial rate+1.40 pts vs state
42.9%Decision denial rate+26.51 pts vs state
20.0%Origination rate-46.37 pts vs state
5.81%Median rate-0.81 pts vs state
0.41Rate spread (pts)+0.16 pts vs state
$84kMedian applicant income
4Loans originated
3Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 19 | 4.8% | 5.88% | #294 |
| 2024 | 41 | 11 | 14.6% | 5.75% | #296 |
| 2025 | 20 | 4 | 15.0% | 5.81% | #392 |
What Emm Loans lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 3 | 1 | 1 | 33.3% |
| Washington County | 2 | 1 | 1 | 50.0% |
| Sherburne County | 2 | 1 | 0 | 0.0% |
| Wright County | 2 | 0 | 1 | 50.0% |
| Itasca County | 1 | 0 | 0 | 0.0% |
| Hubbard County | 1 | 0 | 0 | 0.0% |
| Rock County | 1 | 0 | 0 | 0.0% |
| Faribault County | 1 | 0 | 0 | 0.0% |
| Mower County | 1 | 0 | 0 | 0.0% |
| Cass County | 1 | 1 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 20 applications in 2025, of which 4 were originated and 3 denied.
15.0% of all applications, or 42.9% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Emm Loans originated in Minnesota in 2025 was 5.81%, against a statewide median of 6.63%.
About this data. Figures are Emm Loans's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology