# EMPORIUM TPO LLC

> **Canonical URL:** https://saferate.com/lenders/emporium-tpo


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


EMPORIUM TPO LLC is a independent mortgage company, headquartered in Frisco, TX, serving borrowers across 28 states, with 608 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 92% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 50% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 984500F6E6940CCB6A60
- **Headquarters:** Frisco, TX
- **Geographic Reach:** Near-National
- **States Served:** 28
- **State List:** AL, AZ, CA, CO, CT, DC, FL, GA, IL, IN, KY, LA, MI, MN, NC, NJ, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 15
- **Primary Channel:** wholesale
- **Direct Origination:** 0%
- **Brokered/Wholesale:** 100%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 8/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.969%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,167
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 608
- **Dollar Volume:** $468 million
- **Applications Received:** 923
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $770,049
- **Average Borrower Income:** $840,317
- **Average Property Value:** $1,147,664

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 460 | +0.986% | $4,503 | Sound ☺️ |
| Jumbo | 79/100 | 148 | +0.864% | $2,187 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 324 loans, Score: 48/100 (Sound)
- Refinance: 136 loans, Score: 56/100 (Sound)

**Jumbo:**
- Purchase: 87 loans, Score: 77/100 (Strong)
- Refinance: 61 loans, Score: 83/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 411 | $302M | +0.959% | Sound ☺️ |
| Refinance | 59/100 | 197 | $166M | +0.994% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 291 | 0.10% | 70/100 |
| FL | 93 | 0.03% | 58/100 |
| NJ | 58 | 0.07% | 59/100 |
| TX | 44 | 0.01% | 49/100 |
| AZ | 15 | 0.02% | 42/100 |
| IL | 14 | 0.01% | 41/100 |
| NC | 13 | 0.01% | 39/100 |
| CT | 12 | 0.03% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 113 | 69/100 |
| Anaheim | CA | 56 | 65/100 |
| New York | NY-NJ | 26 | 51/100 |
| San Diego | CA | 26 | 52/100 |
| Fort Lauderdale | FL | 24 | 52/100 |
| Riverside | CA | 24 | 49/100 |
| Houston | TX | 22 | 47/100 |
| Lakewood | NJ | 21 | 50/100 |
| Miami | FL | 19 | 49/100 |
| Oakland | CA | 16 | 47/100 |
| San Jose | CA | 15 | 47/100 |
| Chicago | IL | 11 | 40/100 |
| Phoenix | AZ | 11 | 40/100 |
| St. Petersburg | FL | 11 | 43/100 |
| Dallas | TX | 10 | 38/100 |

## Frequently Asked Questions

### What loan types does EMPORIUM TPO LLC offer?

EMPORIUM TPO LLC offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does EMPORIUM TPO LLC offer mortgages?

EMPORIUM TPO LLC offers mortgages in 28 states: AL, AZ, CA, CO, CT, DC, FL, GA, IL, IN, KY, LA, MI, MN, NC, NJ, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI.

### How competitive are EMPORIUM TPO LLC's mortgage rates?

EMPORIUM TPO LLC has a pricing score of 8/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.969% above market average.

### What type of lender is EMPORIUM TPO LLC?

EMPORIUM TPO LLC is a non-depository lender that specializes in mortgage origination, headquartered in Frisco, TX.

### What is EMPORIUM TPO LLC's loan approval success rate?

EMPORIUM TPO LLC has a pull-through score of 50/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/emporium-tpo

### How to Cite

> "EMPORIUM TPO LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/emporium-tpo

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