Emm Loans in Texas vs the state
8.3%Denial rate-11.10 pts vs state
10.0%Decision denial rate-14.90 pts vs state
75.0%Origination rate+20.12 pts vs state
6.50%Median rate0.00 pts vs state
0.38Rate spread (pts)+0.19 pts vs state
$128kMedian applicant income
9Loans originated
1Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 6 | 10.0% | 6.50% | #991 |
| 2024 | 18 | 12 | 11.1% | 6.50% | #874 |
| 2025 | 12 | 9 | 8.3% | 6.50% | #940 |
What Emm Loans lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 3 | 3 | 0 | 0.0% |
| Harris County | 3 | 2 | 0 | 0.0% |
| Bexar County | 2 | 2 | 0 | 0.0% |
| Maverick County | 2 | 1 | 1 | 50.0% |
| Tarrant County | 1 | 1 | 0 | 0.0% |
| Blanco County | 1 | 0 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 12 applications in 2025, of which 9 were originated and 1 denied.
8.3% of all applications, or 10.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Emm Loans originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Emm Loans's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology