Emporium TPO in New Jersey vs the state
9.0%Denial rate-8.72 pts vs state
9.2%Decision denial rate-13.85 pts vs state
68.2%Origination rate+12.51 pts vs state
7.38%Median rate+0.63 pts vs state
1.27Rate spread (pts)+0.99 pts vs state
$469kMedian applicant income
403Loans originated
53Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 455 | 295 | 12.1% | 7.63% | #109 |
| 2025 | 591 | 403 | 9.0% | 7.38% | #99 |
What Emporium TPO lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 124 | 90 | 12 | 9.7% |
| Hudson County | 66 | 39 | 5 | 7.6% |
| Middlesex County | 61 | 40 | 2 | 3.3% |
| Bergen County | 52 | 34 | 3 | 5.8% |
| Passaic County | 50 | 33 | 11 | 22.0% |
| Ocean County | 48 | 35 | 1 | 2.1% |
| Union County | 45 | 36 | 1 | 2.2% |
| Monmouth County | 32 | 23 | 2 | 6.3% |
| Mercer County | 26 | 15 | 8 | 30.8% |
| Camden County | 25 | 19 | 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: 591 applications in 2025, of which 403 were originated and 53 denied.
9.0% of all applications, or 9.2% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Emporium TPO originated in New Jersey in 2025 was 7.38%, against a statewide median of 6.75%.
About this data. Figures are Emporium TPO'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