Emm Loans in New Jersey vs the state
5.2%Denial rate-12.52 pts vs state
6.1%Decision denial rate-17.00 pts vs state
77.3%Origination rate+21.64 pts vs state
6.63%Median rate-0.13 pts vs state
0.32Rate spread (pts)+0.04 pts vs state
$122kMedian applicant income
658Loans originated
44Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 496 | 323 | 4.2% | 6.88% | #97 |
| 2024 | 719 | 527 | 4.6% | 6.75% | #80 |
| 2025 | 851 | 658 | 5.2% | 6.63% | #72 |
What Emm Loans lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camden County | 184 | 143 | 12 | 6.5% |
| Burlington County | 146 | 120 | 6 | 4.1% |
| Gloucester County | 111 | 92 | 7 | 6.3% |
| Ocean County | 56 | 36 | 0 | 0.0% |
| Bergen County | 43 | 32 | 0 | 0.0% |
| Cumberland County | 34 | 27 | 6 | 17.6% |
| Atlantic County | 34 | 28 | 3 | 8.8% |
| Monmouth County | 32 | 26 | 1 | 3.1% |
| Morris County | 27 | 23 | 0 | 0.0% |
| Passaic County | 24 | 17 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 851 applications in 2025, of which 658 were originated and 44 denied.
5.2% of all applications, or 6.1% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Emm Loans originated in New Jersey in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Emm Loans's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology