Mortgage Lender Index

Emporium TPO LLC

Emporium TPO LLC received 4,550 applications in 2025 and made 2,966 mortgages, in 557 counties across 46 states. The median rate its borrowers got was 7.250% on a median loan of $335,000. Of 4,370 decisions, 370 were denials — 8.5%, most often for other.

Legal Entity Identifier984500F6E6940CCB6A60
Applications received4,550
Mortgages made2,966
Denied370
Approved, not taken up1,034
Withdrawn or incomplete180
Loans bought from other lenders0
Median rate spread over the prime offer rate1.11 points
FDIC-insured bankThis lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.

By loan purpose

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase1,125 7.250%$425,000 8.3%
Refinancing637 7.250%$225,000 7.0%
Cash-out refinancing1,204 7.375%$315,000 9.4%

Where Emporium TPO LLC lends most

The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

CountyMortgages madeMedian rateDenied
Los Angeles County, CA 1497.250%4.9%
Bronx County, NY 1067.500%4.4%
Harris County, TX 1067.250%7.5%
Kings County, NY 937.125%2.8%
Essex County, NJ 907.375%10.1%
Bexar County, TX 867.250%1.1%
Queens County, NY 757.250%9.2%
Cook County, IL 677.375%9.0%
San Diego County, CA 597.125%9.7%
Rockland County, NY 487.250%7.9%
Miami-Dade County, FL 417.250%14.5%
Middlesex County, NJ 407.375%3.3%
Hudson County, NJ 397.375%7.6%
Orange County, CA 367.058%4.7%
Union County, NJ 367.490%2.3%
Ocean County, NJ 357.250%2.1%
Bergen County, NJ 347.490%6.1%
Passaic County, NJ 337.250%22.0%
Broward County, FL 327.250%15.0%
Nassau County, NY 277.000%8.6%
Jackson County, MO 267.125%5.4%
Albany County, NY 267.625%21.3%
Maricopa County, AZ 257.375%7.7%
Baltimore city, MD 258.125%38.0%
Dallas County, TX 257.125%12.5%
Tarrant County, TX 256.625%2.9%
Shelby County, TN 246.563%16.2%
Riverside County, CA 237.375%7.4%
Monmouth County, NJ 236.990%6.5%
Richmond County, NY 217.125%3.2%
Westchester County, NY 216.875%10.3%
Camden County, NJ 197.375%0.0%
Sullivan County, NY 197.250%3.7%
Duval County, FL 187.188%12.0%
Kane County, IL 187.688%4.4%
Orange County, NY 177.125%11.4%
San Bernardino County, CA 167.313%11.5%
Mercer County, NJ 157.250%30.8%
Brazoria County, TX 157.000%0.0%
Travis County, TX 157.375%4.4%
Sacramento County, CA 147.188%12.5%
Cumberland County, NJ 147.375%6.3%
Bell County, TX 147.625%14.8%
Hillsborough County, FL 137.375%10.5%
Cuyahoga County, OH 137.625%5.6%
Philadelphia County, PA 137.375%16.7%
Sevier County, TN 136.875%14.8%
Santa Clara County, CA 127.240%15.0%
Greater Bridgeport Planning Region, CT 127.240%7.1%
St. Louis County, MO 127.125%21.1%

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When Emporium TPO LLC’s figures are published for the next year, or restated.

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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.