Emporium TPO in New York vs the state
7.2%Denial rate-12.51 pts vs state
7.5%Decision denial rate-16.55 pts vs state
65.3%Origination rate+5.69 pts vs state
7.25%Median rate+0.63 pts vs state
—Rate spread (pts)
$712kMedian applicant income
532Loans originated
59Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 404 | 276 | 10.2% | 7.56% | #139 |
| 2025 | 815 | 532 | 7.2% | 7.25% | #104 |
What Emporium TPO lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kings County | 149 | 93 | 4 | 2.7% |
| Bronx County | 136 | 106 | 6 | 4.4% |
| Queens County | 120 | 75 | 11 | 9.2% |
| Rockland County | 63 | 48 | 5 | 7.9% |
| Albany County | 47 | 26 | 10 | 21.3% |
| Suffolk County | 37 | 10 | 1 | 2.7% |
| Nassau County | 36 | 27 | 3 | 8.3% |
| Orange County | 35 | 17 | 4 | 11.4% |
| Richmond County | 32 | 21 | 1 | 3.1% |
| Westchester County | 30 | 21 | 3 | 10.0% |
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: 815 applications in 2025, of which 532 were originated and 59 denied.
7.2% of all applications, or 7.5% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Emporium TPO originated in New York in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Emporium TPO'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