Emporium TPO: 2025 loan data
Emporium TPO's 2025 at a glance, from the public report every mortgage lender files each year.
Filed as EMPORIUM TPO LLC
- Home loans closed2,966Loans it funded in 2025
- Approval rate91.5%Of applications it said yes or no to
- Typical loan costs$12,037.63Middle amount, before taxes, prepaids and escrow
- Typical lender fees$9,604.59Its own charges to make the loan
These describe the lender's past loans. They are not a quote or a promise for your loan.
How these numbers are counted
Reported application outcomes and pricing, 2025
- Filed asEMPORIUM TPO LLC
- 2025 home loan decisionsOf 4,370 applications decided by EMPORIUM TPO LLC in 2025, 2,966 were originated, 1,034 were approved but not accepted by the borrower, and 370 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 91.5%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 169 applications were withdrawn by the borrower, 11 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread1.11 percentage points above the average prime offer rate (reported on 460 originations, 2,506 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$12,037.63 — originated closed-end household loans, 2025, 324 of 460 loans. FFIEC HMDA data browser.
- Median origination charges$9,604.59 — originated closed-end household loans, 2025, 460 loans. FFIEC HMDA data browser.
- Median lender credits$4,665.48 — originated closed-end household loans, 2025, 312 of 460 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types2,966 Conventional — of 2,966 reported originations, 2025. FFIEC HMDA data browser.
Evidence read November 11, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for EMPORIUM TPO LLC — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.