Lenders › Emporium Tpo LLC › New Jersey
Emporium Tpo LLC in New Jersey
HMDA record for properties in New Jersey, calendar year 2024. National record · New Jersey 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 New Jersey, Emporium Tpo LLC reported 455 applications and 295 originations for 2024, $141m in all.
Its denial rate in the state was 12.9%, below the New Jersey rate of 26.0% across all lenders and compared with the lender's national rate of 11.6%.
The median rate spread on its New Jersey originations was 1.3 percentage points (state median 0.4).
Compared with the state and the lender's national record
| Measure | In New Jersey | New Jersey, all lenders | Emporium Tpo LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 12.9% | 26.0% | 11.6% | 24.3% |
| Median rate spread, pp | 1.3 | 0.4 | 1.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 30.5% | 17.7% | 17.2% | 15.6% |
| Average originated loan | $479k | $387k | $497k | $329k |
| Home purchase share | 44.1% | 51.0% | 44.4% | 57.0% |
| FHA-insured share | 0.0% | 11.2% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 2.9% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNew Jersey, all lenders
Loan purpose and loan type in New Jersey
By purpose
Home purchase 44% (130)Refinancing 24% (72)Cash-out refinancing 32% (93)
By type
Conventional 100% (295)
Denial reasons as coded
Share of 55 denials in New Jersey by first denial reason coded (outlined bar: all lenders in the state).
Counties in New Jersey
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Essex County | 67 | 42 | $22m | 6.5% |
| Hudson County | 52 | 40 | $24m | 8.3% |
| Bergen County | 52 | 37 | $24m | 14.0% |
| Middlesex County | 41 | 29 | $13m | 10.0% |
| Passaic County | 51 | 23 | $11m | 23.3% |
| Ocean County | 38 | 23 | $11m | 15.8% |
| Union County | 35 | 16 | $7.3m | 6.7% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Emporium Tpo LLC originate in New Jersey in 2024?
295 loans totalling $141m, from 455 applications reported for properties in New Jersey.
What is Emporium Tpo LLC's denial rate in New Jersey?
12.9% of decided applications in New Jersey were denied, against 26.0% 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 New Jersey counties does Emporium Tpo LLC lend in most?
By originations: Essex County (42), Hudson County (40), Bergen County (37), Middlesex County (29), Passaic County (23).
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 New Jersey. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.