Emm Loans in New York vs the state
5.3%Denial rate-14.44 pts vs state
6.6%Decision denial rate-17.45 pts vs state
69.0%Origination rate+9.44 pts vs state
6.50%Median rate-0.13 pts vs state
0.42Rate spread (pts)+0.21 pts vs state
$123kMedian applicant income
78Loans originated
6Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 101 | 69 | 0.0% | 6.99% | #264 |
| 2024 | 136 | 101 | 3.7% | 6.99% | #228 |
| 2025 | 113 | 78 | 5.3% | 6.50% | #254 |
What Emm Loans lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 42 | 35 | 3 | 7.1% |
| Suffolk County | 7 | 1 | 2 | 28.6% |
| Saratoga County | 6 | 5 | 0 | 0.0% |
| Albany County | 6 | 5 | 0 | 0.0% |
| Westchester County | 5 | 4 | 0 | 0.0% |
| Nassau County | 5 | 3 | 0 | 0.0% |
| Queens County | 4 | 3 | 0 | 0.0% |
| Putnam County | 3 | 2 | 0 | 0.0% |
| Rockland County | 3 | 1 | 0 | 0.0% |
| Monroe County | 3 | 0 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 113 applications in 2025, of which 78 were originated and 6 denied.
5.3% of all applications, or 6.6% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Emm Loans originated in New York 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 New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology