Emporium TPO in Pennsylvania vs the state
3.7%Denial rate-14.59 pts vs state
4.0%Decision denial rate-18.17 pts vs state
64.8%Origination rate+3.85 pts vs state
7.43%Median rate+0.81 pts vs state
2.10Rate spread (pts)+1.86 pts vs state
$391kMedian applicant income
70Loans originated
4Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 104 | 69 | 11.5% | 7.75% | #367 |
| 2025 | 108 | 70 | 3.7% | 7.43% | #365 |
What Emporium TPO lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 22 | 13 | 3 | 13.6% |
| Lackawanna County | 19 | 12 | 0 | 0.0% |
| Allegheny County | 14 | 10 | 0 | 0.0% |
| Luzerne County | 11 | 8 | 0 | 0.0% |
| Northampton County | 6 | 5 | 1 | 16.7% |
| Chester County | 5 | 2 | 0 | 0.0% |
| Montgomery County | 4 | 3 | 0 | 0.0% |
| Pike County | 4 | 2 | 0 | 0.0% |
| Monroe County | 4 | 2 | 0 | 0.0% |
| Delaware County | 3 | 3 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 108 applications in 2025, of which 70 were originated and 4 denied.
3.7% of all applications, or 4.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Emporium TPO originated in Pennsylvania in 2025 was 7.43%, against a statewide median of 6.63%.
About this data. Figures are Emporium TPO's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology