We analyzed every closed loan from Emporium Tpo — 608 loans across 923 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Near-National · 15 mkts
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)
Explore another lender or local market
Report Card
Emporium Tpo performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+96.9 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 15 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 460 | 75.7% | +0.986%Above | $4,503Fees | ||||
Jumbo Loans | 148 | 24.3% | +0.864%Above | $2,187Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume460
Mix75.7%
Spread
+0.986%Above
Fees
$4,503Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume148
Mix24.3%
Spread
+0.864%Above
Fees
$2,187Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 411 | 67.6% | +0.959%Above | $4,325Fees | ||||
Refinance | 197 | 32.4% | +0.994%Above | $3,758Fees |
Purchase
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume411
Mix67.6%
Spread
+0.959%Above
Fees
$4,325Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume197
Mix32.4%
Spread
+0.994%Above
Fees
$3,758Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
608
Applications
923
Volume
$468 million
Pricing & Closing
Avg Rate Spread
+0.969%
vs. market APOR
Avg Net Fees
$4,167
Origination − Credits
Pullthrough Rate
65.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$770,049
Avg Borrower Income
$840,317
Avg Property Value
$1,147,664
Geographic Coverage
Geographic Performance
Metro Areas
15
markets with activity
States Served
28
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
28Northeast4
CTNJPARI
Midwest6
ILINMIMNOHWI
South12
ALDCFLGAKYLANCOKSCTNTXVA
West6
AZCACOORUTWA
Top Metro Areas by Place Specialization Score
Volume 113Mix 18.59% of portfolio
69/100
Strong
Volume 56Mix 9.21% of portfolio
65/100
Strong
Volume 26Mix 4.28% of portfolio
52/100
Sound
Volume 24Mix 3.95% of portfolio
52/100
Sound
Volume 26Mix 4.28% of portfolio
51/100
Sound
Volume 21Mix 3.45% of portfolio
50/100
Sound
Volume 24Mix 3.95% of portfolio
49/100
Sound
Volume 19Mix 3.12% of portfolio
49/100
Sound
Volume 16Mix 2.63% of portfolio
47/100
Sound
Volume 15Mix 2.47% of portfolio
47/100
SoundShowing 10 of 15 metro areas
Top States by Place Specialization Score
1
CaliforniaState
Volume 291Mix 47.86% of portfolio
70/100
Strong2
New JerseyState
Volume 58Mix 9.54% of portfolio
59/100
Sound3
FloridaState
Volume 93Mix 15.30% of portfolio
58/100
Sound4
TexasState
Volume 44Mix 7.24% of portfolio
49/100
Sound5
ArizonaState
Volume 15Mix 2.47% of portfolio
42/100
Sound6
ConnecticutState
Volume 12Mix 1.97% of portfolio
41/100
Sound7
IllinoisState
Volume 14Mix 2.30% of portfolio
41/100
Sound8
North CarolinaState
Volume 13Mix 2.14% of portfolio
39/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.