Emporium TPO in Massachusetts vs the state
13.5%Denial rate-2.75 pts vs state
13.7%Decision denial rate-6.22 pts vs state
57.7%Origination rate-4.91 pts vs state
7.56%Median rate+0.93 pts vs state
—Rate spread (pts)
$909kMedian applicant income
30Loans originated
7Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 30 | 13 | 33.3% | 7.25% | #361 |
| 2025 | 52 | 30 | 13.5% | 7.56% | #320 |
What Emporium TPO lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 18 | 9 | 0 | 0.0% |
| Worcester County | 8 | 7 | 0 | 0.0% |
| Hampden County | 8 | 3 | 5 | 62.5% |
| Norfolk County | 6 | 5 | 0 | 0.0% |
| Middlesex County | 4 | 2 | 1 | 25.0% |
| Plymouth County | 4 | 2 | 0 | 0.0% |
| Essex County | 2 | 1 | 1 | 50.0% |
| Bristol County | 2 | 1 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 52 applications in 2025, of which 30 were originated and 7 denied.
13.5% of all applications, or 13.7% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Emporium TPO originated in Massachusetts in 2025 was 7.56%, against a statewide median of 6.63%.
About this data. Figures are Emporium TPO's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology