Emporium Tpo LLC mortgage approval rate & lending review
Emporium Tpo LLC decided 7,388 mortgage applications and funded 5,070 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Emporium Tpo LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to emporiumtpo.com.
Emporium Tpo LLC at a glance
Approval is 10.4 points above the 79.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 806 / 883 | 80% | $565K | 645 |
| Cash-out refinance | 91% | 293 / 322 | 75% | $805K | 221 |
| Refinance | 90% | 145 / 161 | 61% | $1.22M | 88 |
| Investment property purchase | 90% | 1,946 / 2,170 | 77% | $325K | 1,496 |
| Investment cash-out refinance | 89% | 2,183 / 2,451 | 74% | $285K | 1,612 |
| Investment refinance | 92% | 1,292 / 1,401 | 78% | $205K | 1,008 |
Emporium Tpo LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 93% | $965K | 1,249 | 870 |
| Texas | 93% | $185K | 1,085 | 797 |
| New York | 92% | $825K | 1,074 | 747 |
| New Jersey | 89% | $485K | 991 | 689 |
| Florida | 86% | $385K | 767 | 487 |
| Illinois | 91% | $205K | 229 | 170 |
| Maryland | 71% | $155K | 221 | 109 |
| Pennsylvania | 92% | $185K | 191 | 133 |
| Connecticut | 92% | $315K | 167 | 111 |
| Tennessee | 83% | $215K | 144 | 84 |
| Georgia | 87% | $195K | 127 | 84 |
| Arizona | 93% | $335K | 117 | 83 |
| North Carolina | 93% | $155K | 117 | 90 |
| Missouri | 97% | $165K | 93 | 71 |
| South Carolina | 91% | $205K | 86 | 64 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Emporium Tpo LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bexar County, TX | Investment refinance | 99% | 124 | 115 |
| Harris County, TX | Investment refinance | 94% | 134 | 101 |
| Harris County, TX | Investment cash-out refinance | 94% | 89 | 70 |
| Bronx County, NY | Investment refinance | 98% | 64 | 62 |
| Los Angeles County, CA | Investment property purchase | 96% | 77 | 61 |
| Kings County, NY | Investment cash-out refinance | 98% | 86 | 59 |
| Essex County, NJ | Investment cash-out refinance | 99% | 69 | 57 |
| Bronx County, NY | Investment cash-out refinance | 95% | 78 | 54 |
| Queens County, NY | Investment cash-out refinance | 90% | 80 | 51 |
| Kings County, NY | Investment property purchase | 87% | 68 | 45 |
| Los Angeles County, CA | Investment cash-out refinance | 94% | 77 | 44 |
| Cook County, IL | Investment cash-out refinance | 87% | 54 | 40 |
The county markets where Emporium Tpo LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Emporium Tpo LLC
What is Emporium Tpo LLC's mortgage approval rate?
Emporium Tpo LLC approved 90.2% of the 7,388 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.4 points above the 79.8% national rate for the same mix of loan types.
How often do borrowers take the loan Emporium Tpo LLC offers?
Borrowers accepted 76% of the loans Emporium Tpo LLC approved, against 92% for all investment cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Emporium Tpo LLC make?
The typical investment cash-out refinance loan Emporium Tpo LLC made was $285K; across all loan types its typical loan ran from $205K to $1.22M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Emporium Tpo LLC lend?
Emporium Tpo LLC decided applications in 44 of the states Fat Boy Data covers, most of them in California, Texas and New York.
Can I apply to Emporium Tpo LLC directly?
Yes. Emporium Tpo LLC reports as a direct lender that takes applications from borrowers. Its website is emporiumtpo.com.
Does this page show Emporium Tpo LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Emporium Tpo LLC treats applications, then get a rate quote from the lender.