Lenders › Emporium Tpo LLC › California
Emporium Tpo LLC in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In California, Emporium Tpo LLC reported 721 applications and 473 originations for 2024, $437m in all.
Its denial rate in the state was 8.2%, below the California rate of 24.8% across all lenders and compared with the lender's national rate of 11.6%.
The median rate spread on its California originations was 1.0 percentage points (state median 0.4).
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Emporium Tpo LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 8.2% | 24.8% | 11.6% | 24.3% |
| Median rate spread, pp | 1.0 | 0.4 | 1.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 16.6% | 19.9% | 17.2% | 15.6% |
| Average originated loan | $924k | $566k | $497k | $329k |
| Home purchase share | 56.7% | 51.2% | 44.4% | 57.0% |
| FHA-insured share | 0.0% | 11.4% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.8% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 57% (268)Refinancing 14% (67)Cash-out refinancing 29% (138)
By type
Conventional 100% (473)
Denial reasons as coded
Share of 55 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 244 | 170 | $170m | 5.4% |
| Orange County | 112 | 73 | $77m | 10.7% |
| San Diego County | 93 | 61 | $52m | 10.0% |
| Riverside County | 61 | 35 | $26m | 3.5% |
| Santa Clara County | 33 | 24 | $27m | 3.1% |
| Alameda County | 27 | 16 | $17m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Emporium Tpo LLC originate in California in 2024?
473 loans totalling $437m, from 721 applications reported for properties in California.
What is Emporium Tpo LLC's denial rate in California?
8.2% of decided applications in California were denied, against 24.8% for all lenders in the state and 11.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Emporium Tpo LLC lend in most?
By originations: Los Angeles County (170), Orange County (73), San Diego County (61), Riverside County (35), Santa Clara County (24).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.