Emporium TPO LLC: 2025 mortgage rates, costs & approvals
How Emporium TPO LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Emporium TPO LLC · LEI 984500F6E6940CCB6A60
In 2025, Emporium TPO LLC originated 389 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 30 states — 836th by volume among the 2,017 lenders profiled here.
It denied 7.3% of completed home-purchase applications (all lenders: 8.5%).
How Emporium TPO LLC priced home-purchase loans
| Purchase loans, 2025 | Emporium TPO LLC | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +1.21 pts | +0.13 pts |
| Total loan costs · conventional | $13,420 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $8,300 | $1,860 |
| Borrowers paying discount points | 40.2% | 51.3% |
| Points paid, when paid (% of loan) | 0.48% | 0.87% |
| Borrowers receiving lender credits | 66.3% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Emporium TPO LLC denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Emporium TPO LLC lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 221 | 306 | 4.2% | — | $15,180 |
| New Jersey | 42 | 68 | 3.9% | — | $16,770 |
| Florida | 25 | 45 | 14.3% | — | — |
| Texas | 24 | 39 | 8.7% | — | — |
| Illinois | 24 | 32 | 11.1% | — | — |
| Pennsylvania | 5 | 8 | — | — | — |
| Colorado | 5 | 6 | — | — | — |
| Wisconsin | 5 | 5 | — | — | — |
| South Carolina | 4 | 7 | — | — | — |
| Ohio | 4 | 5 | — | — | — |
| Oregon | 4 | 5 | — | — | — |
| Washington | 4 | 4 | — | — | — |
| Michigan | 3 | 8 | — | — | — |
| Connecticut | 3 | 7 | — | — | — |
| Georgia | 3 | 7 | — | — | — |
| Arizona | 3 | 4 | — | — | — |
| Virginia | 3 | 3 | — | — | — |
| Indiana | 2 | 4 | — | — | — |
| Maryland | 1 | 4 | — | — | — |
| Utah | 1 | 3 | — | — | — |
| North Carolina | 1 | 2 | — | — | — |
| Delaware | 1 | 1 | — | — | — |
| Kentucky | 1 | 1 | — | — | — |
| Tennessee | 0 | 3 | — | — | — |
| Arkansas | 0 | 1 | — | — | — |
| Minnesota | 0 | 1 | — | — | — |
| Nebraska | 0 | 1 | — | — | — |
| New Hampshire | 0 | 1 | — | — | — |
| Oklahoma | 0 | 1 | — | — | — |
| South Dakota | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Emporium TPO LLC's page for that state.
Check Emporium TPO LLC yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 984500F6E6940CCB6A60.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Emporium TPO LLC with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology