Emporium TPO in Maryland vs the state
28.2%Denial rate+9.37 pts vs state
31.3%Decision denial rate+7.12 pts vs state
46.5%Origination rate-9.23 pts vs state
8.13%Median rate+1.50 pts vs state
1.18Rate spread (pts)+0.93 pts vs state
$633kMedian applicant income
33Loans originated
20Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 76 | 33 | 18.4% | 7.88% | #252 |
| 2025 | 71 | 33 | 28.2% | 8.13% | #274 |
What Emporium TPO lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore city | 57 | 25 | 19 | 33.3% |
| Prince George's County | 5 | 4 | 1 | 20.0% |
| Montgomery County | 3 | 2 | 0 | 0.0% |
| Anne Arundel County | 2 | 1 | 0 | 0.0% |
| Cecil County | 1 | 0 | 0 | 0.0% |
| Washington County | 1 | 0 | 0 | 0.0% |
| Carroll County | 1 | 1 | 0 | 0.0% |
| Dorchester County | 1 | 0 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 71 applications in 2025, of which 33 were originated and 20 denied.
28.2% of all applications, or 31.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Emporium TPO originated in Maryland in 2025 was 8.13%, against a statewide median of 6.63%.
About this data. Figures are Emporium TPO's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology