Lender in California · HMDA 2025
Emporium TPO LLC mortgages in California
Emporium TPO LLC's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Emporium TPO LLC originated 221 owner-occupied single-family loans in California from 306 completed applications.
Its median conventional purchase loan costs were $15,180 versus $7,920 for all California lenders.
Loans in CA
221
of 306 applications
Denial rate
4.2%
Purchase · CA 8.9%
Rate spread
+1.14 pts
Conv. · CA +0.09 pts
Loan amount
$785,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 166 | 130 | 4.2% | — | +1.14 pts | $15,180 | $785,000 |
| Refinance | 53 | 26 | 13.2% | — | +0.83 pts | $12,130 | $1,175,000 |
| Cash-out refinance | 87 | 65 | 6.9% | — | +0.99 pts | $14,030 | $865,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology