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EMPORIUM TPO LLC
Independent Mortgage Company|Frisco, TX|Near-National
Loans Originated
608
Applications
923
Volume
$468 million
Sources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.969%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,167
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
65.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Nationwide availability with consistent service
Things to Think About
- Rates typically 97 basis points above market average
- Higher than average fees ($4,167)
Report Card
EMPORIUM TPO LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 15 metro areas · 28 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$770,049
Average Borrower Income
$840,317
Average Property Value
$1,147,664
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Acceptable | 460 | 75.7% | +0.986% | $4,503 |
Jumbo Loans | Sound | Strong | Mediocre | Strong | 148 | 24.3% | +0.864% | $2,187 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Acceptable | 411 | 67.6% | +0.959% | $4,325 |
Refinance | Acceptable | Sound | Mediocre | Sound | 197 | 32.4% | +0.994% | $3,758 |
Geographic Coverage
Metro Areas
15
States Served
28
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCACOCTDCFLGAILINKYLAMIMNNCNJOHOKORPARISCTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 113Mix: 18.59%
Place Specialization
Strong
2
Anaheim, CAMSA
Volume: 56Mix: 9.21%
Place Specialization
Strong
3
San Diego, CAMSA
Volume: 26Mix: 4.28%
Place Specialization
Sound
4
Fort Lauderdale, FLMSA
Volume: 24Mix: 3.95%
Place Specialization
Sound
5
New York, NY-NJMSA
Volume: 26Mix: 4.28%
Place Specialization
Sound
6
Lakewood, NJMSA
Volume: 21Mix: 3.45%
Place Specialization
Sound
7
Riverside, CAMSA
Volume: 24Mix: 3.95%
Place Specialization
Sound
8
Miami, FLMSA
Volume: 19Mix: 3.12%
Place Specialization
Sound
9
Oakland, CAMSA
Volume: 16Mix: 2.63%
Place Specialization
Sound
10
San Jose, CAMSA
Volume: 15Mix: 2.47%
Place Specialization
Sound
Showing 10 of 15 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 291Mix: 47.86%
Place Specialization
Strong
2
NJState
Volume: 58Mix: 9.54%
Place Specialization
Sound
3
FLState
Volume: 93Mix: 15.30%
Place Specialization
Sound
4
TXState
Volume: 44Mix: 7.24%
Place Specialization
Sound
5
AZState
Volume: 15Mix: 2.47%
Place Specialization
Sound
6
CTState
Volume: 12Mix: 1.97%
Place Specialization
Sound
7
ILState
Volume: 14Mix: 2.30%
Place Specialization
Sound
8
NCState
Volume: 13Mix: 2.14%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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