Emporium Tpo LLC Mortgage Lending & HMDA Data, 2025

In 2025, Emporium Tpo LLC of Frisco, TX reported 4,550 mortgage applications totaling $2.3 billion, up 17% from 2024. The average application was for $495,448, and applicants reported an average income of $822,774. 65% of its applications resulted in an originated loan and 8% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (707), Houston-The Woodlands-Sugar Land, TX (228) and Los Angeles-Long Beach-Glendale, CA (221) (applications in parentheses).

Mortgage Company & Address Emporium Tpo LLC

Frisco, TX 75034
Federal Regulator * available with data download
Years 2025  2024  
Total Number of Mortgage Applications 4,550
Total Mortgage Loan Application Amount $2,254,290,000
Average Mortgage Loan Application Amount $495,448
Highest Mortgage Loan Application Amount $3,005,000
Average Applicant Income $822,774
Highest Applicant Income $7,281,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Emporium Tpo LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Emporium Tpo LLC by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 221 $ 244,615,000 $ 1,106,855 $ 943,000
Harris, Texas 151 $ 35,965,000 $ 238,178 $ 365,000
Kings, New York 149 $ 141,945,000 $ 952,651 $ 1,391,000
Bronx, New York 136 $ 121,040,000 $ 890,000 $ 2,080,000
Essex, New Jersey 124 $ 68,990,000 $ 556,370 $ 365,000
Queens, New York 120 $ 92,770,000 $ 773,083 $ 395,000
San Diego, California 98 $ 87,700,000 $ 894,897 $ 723,000
Bexar, Texas 95 $ 16,065,000 $ 169,105 $ 96,000
Cook, Illinois 92 $ 26,160,000 $ 284,347 $ 281,000
Miami-Dade, Florida 81 $ 48,215,000 $ 595,246 $ 528,000
Orange, California 69 $ 78,635,000 $ 1,139,637 $ 852,000
Hudson, New Jersey 66 $ 39,650,000 $ 600,757 $ 1,034,000
Broward, Florida 63 $ 27,015,000 $ 428,809 $ 417,000
Rockland, New York 63 $ 52,525,000 $ 833,730 $ 1,640,000
Middlesex, New Jersey 61 $ 30,025,000 $ 492,213 $ 604,000
Baltimore City, Maryland 57 $ 9,545,000 $ 167,456 $ 61,000
Bergen, New Jersey 52 $ 37,320,000 $ 717,692 $ 494,000
Passaic, New Jersey 50 $ 21,410,000 $ 428,200 $ 144,000
Ocean, New Jersey 48 $ 23,270,000 $ 484,791 $ 1,288,000
Albany, New York 47 $ 11,905,000 $ 253,297 $ 0
Shelby, Tennessee 46 $ 8,490,000 $ 184,565 $ 0
Union, New Jersey 45 $ 22,685,000 $ 504,111 $ 474,000
Maricopa, Arizona 39 $ 18,715,000 $ 479,871 $ 1,384,000
Jackson, Missouri 38 $ 7,180,000 $ 188,947 $ 0
Suffolk, New York 37 $ 21,915,000 $ 592,297 $ 713,000
Nassau, New York 36 $ 27,070,000 $ 751,944 $ 318,000
Orange, New York 35 $ 14,665,000 $ 419,000 $ 382,000
Tarrant, Texas 35 $ 8,885,000 $ 253,857 $ 172,000
Jefferson, Texas 34 $ 4,170,000 $ 122,647 $ 0
Monmouth, New Jersey 32 $ 24,650,000 $ 770,312 $ 2,014,000
Richmond, New York 32 $ 20,480,000 $ 640,000 $ 738,000
Dallas, Texas 32 $ 11,970,000 $ 374,062 $ 539,000
Westchester, New York 30 $ 15,720,000 $ 524,000 $ 0
Riverside, California 29 $ 18,165,000 $ 626,379 $ 631,000
Sevier, Tennessee 29 $ 19,815,000 $ 683,275 $ 868,000
San Bernardino, California 28 $ 13,070,000 $ 466,785 $ 293,000
Sullivan, New York 28 $ 7,360,000 $ 262,857 $ 1,961,000
Bell, Texas 27 $ 4,505,000 $ 166,851 $ 1,117,000
Duval, Florida 26 $ 9,660,000 $ 371,538 $ 436,000
Mercer, New Jersey 26 $ 7,650,000 $ 294,230 $ 619,000
Camden, New Jersey 25 $ 4,815,000 $ 192,600 $ 0
Kane, Illinois 23 $ 5,005,000 $ 217,608 $ 575,000
Fort Bend, Texas 23 $ 6,935,000 $ 301,521 $ 418,000
Travis, Texas 23 $ 9,885,000 $ 429,782 $ 1,011,000
Philadelphia, Pennsylvania 22 $ 6,550,000 $ 297,727 $ 0
Santa Clara, California 21 $ 28,875,000 $ 1,375,000 $ 759,000
Chilton, Alabama 20 $ 3,010,000 $ 150,500 $ 0
Capitol Planning Region, Connecticut 20 $ 5,550,000 $ 277,500 $ 173,000
St. Louis, Missouri 20 $ 3,020,000 $ 151,000 $ 0
Sacramento, California 19 $ 7,845,000 $ 412,894 $ 403,000
Hillsborough, Florida 19 $ 7,415,000 $ 390,263 $ 370,000
Lackawanna, Pennsylvania 19 $ 4,025,000 $ 211,842 $ 0
Kern, California 18 $ 4,860,000 $ 270,000 $ 250,000
Suffolk, Massachusetts 18 $ 9,970,000 $ 553,888 $ 0
Cuyahoga, Ohio 18 $ 2,930,000 $ 162,777 $ 0
Nueces, Texas 18 $ 5,280,000 $ 293,333 $ 236,000
South Central Connecticut Planning Region, Connecticut 17 $ 5,855,000 $ 344,411 $ 0
Erie, New York 17 $ 2,815,000 $ 165,588 $ 0
Flagler, Florida 16 $ 5,480,000 $ 342,500 $ 282,000
Orange, Florida 16 $ 5,990,000 $ 374,375 $ 208,000
Palm Beach, Florida 16 $ 8,550,000 $ 534,375 $ 719,000
Cumberland, New Jersey 16 $ 3,120,000 $ 195,000 $ 0
Davidson, Tennessee 16 $ 5,690,000 $ 355,625 $ 0
Collin, Texas 16 $ 7,590,000 $ 474,375 $ 4,231,000
Grayson, Texas 16 $ 3,130,000 $ 195,625 $ 0
Alameda, California 15 $ 12,565,000 $ 837,666 $ 520,000
Pinellas, Florida 15 $ 6,615,000 $ 441,000 $ 411,000
Schenectady, New York 15 $ 2,885,000 $ 192,333 $ 0
Brazoria, Texas 15 $ 2,425,000 $ 161,666 $ 0
Galveston, Texas 15 $ 3,065,000 $ 204,333 $ 0
Greater Bridgeport Planning Region, Connecticut 14 $ 5,290,000 $ 377,857 $ 0
Fulton, Georgia 14 $ 4,830,000 $ 345,000 $ 428,000
Allegheny, Pennsylvania 14 $ 3,970,000 $ 283,571 $ 0
McLennan, Texas 14 $ 2,280,000 $ 162,857 $ 0
Montgomery, Texas 14 $ 3,200,000 $ 228,571 $ 170,000
Chatham, Georgia 13 $ 3,675,000 $ 282,692 $ 847,000
Will, Illinois 13 $ 4,615,000 $ 355,000 $ 316,000
Tulsa, Oklahoma 13 $ 2,215,000 $ 170,384 $ 0
Horry, South Carolina 13 $ 3,165,000 $ 243,461 $ 222,000
Contra Costa, California 12 $ 9,160,000 $ 763,333 $ 417,000
Marin, California 12 $ 9,180,000 $ 765,000 $ 801,000
Western Connecticut Planning Region, Connecticut 12 $ 7,860,000 $ 655,000 $ 615,000
DeKalb, Georgia 12 $ 2,890,000 $ 240,833 $ 241,000
Laurens, Georgia 12 $ 1,720,000 $ 143,333 $ 0
DuPage, Illinois 12 $ 11,060,000 $ 921,666 $ 644,000
Marion, Indiana 12 $ 2,330,000 $ 194,166 $ 0
Mecklenburg, North Carolina 12 $ 3,570,000 $ 297,500 $ 0
Naugatuck Valley Planning Region, Connecticut 11 $ 3,585,000 $ 325,909 $ 0
Brevard, Florida 11 $ 2,735,000 $ 248,636 $ 375,000
Pasco, Florida 11 $ 2,795,000 $ 254,090 $ 356,000
Polk, Florida 11 $ 3,385,000 $ 307,727 $ 2,122,000
Volusia, Florida 11 $ 2,765,000 $ 251,363 $ 678,000
Wayne, Michigan 11 $ 1,865,000 $ 169,545 $ 0
Luzerne, Pennsylvania 11 $ 2,155,000 $ 195,909 $ 0
Salt Lake, Utah 11 $ 9,465,000 $ 860,454 $ 3,739,000
Ventura, California 10 $ 13,040,000 $ 1,304,000 $ 590,000
New Castle, Delaware 10 $ 2,160,000 $ 216,000 $ 243,000
Gwinnett, Georgia 10 $ 2,840,000 $ 284,000 $ 102,000
Knox, Tennessee 10 $ 2,620,000 $ 262,000 $ 422,000
Placer, California 9 $ 8,655,000 $ 961,666 $ 599,000
San Joaquin, California 9 $ 5,245,000 $ 582,777 $ 388,000
Santa Barbara, California 9 $ 9,495,000 $ 1,055,000 $ 653,000
Marion, Florida 9 $ 2,005,000 $ 222,777 $ 199,000
Osceola, Florida 9 $ 2,705,000 $ 300,555 $ 614,000
Richmond, Georgia 9 $ 1,435,000 $ 159,444 $ 0
Wake, North Carolina 9 $ 4,205,000 $ 467,222 $ 0
Hunt, Texas 9 $ 1,625,000 $ 180,555 $ 0
Milwaukee, Wisconsin 9 $ 2,085,000 $ 231,666 $ 251,000
District of Columbia, District Of Columbia 8 $ 2,970,000 $ 371,250 $ 437,000
St. Lucie, Florida 8 $ 2,220,000 $ 277,500 $ 107,000
Lake, Illinois 8 $ 1,630,000 $ 203,750 $ 78,000
Hampden, Massachusetts 8 $ 2,110,000 $ 263,750 $ 909,000
Worcester, Massachusetts 8 $ 2,240,000 $ 280,000 $ 0
Strafford, New Hampshire 8 $ 3,790,000 $ 473,750 $ 0
Burlington, New Jersey 8 $ 2,420,000 $ 302,500 $ 482,000
Monroe, New York 8 $ 1,410,000 $ 176,250 $ 0
Aiken, South Carolina 8 $ 1,690,000 $ 211,250 $ 0
Wood, Texas 8 $ 950,000 $ 118,750 $ 0
Yavapai, Arizona 7 $ 2,575,000 $ 367,857 $ 72,000
Atlantic, New Jersey 7 $ 1,615,000 $ 230,714 $ 0
Hamilton, Tennessee 7 $ 1,855,000 $ 265,000 $ 0
Denton, Texas 7 $ 2,265,000 $ 323,571 $ 206,000
Summit, Utah 7 $ 11,105,000 $ 1,586,428 $ 3,405,000
San Mateo, California 6 $ 8,520,000 $ 1,420,000 $ 512,000
Adams, Colorado 6 $ 1,970,000 $ 328,333 $ 134,000
El Paso, Colorado 6 $ 2,710,000 $ 451,666 $ 0
Lake, Florida 6 $ 1,730,000 $ 288,333 $ 159,000
Lee, Florida 6 $ 6,920,000 $ 1,153,333 $ 256,000
St. Johns, Florida 6 $ 2,890,000 $ 481,666 $ 1,307,000
Wyandotte, Kansas 6 $ 1,250,000 $ 208,333 $ 0
Norfolk, Massachusetts 6 $ 4,230,000 $ 705,000 $ 2,580,000
Rankin, Mississippi 6 $ 980,000 $ 163,333 $ 0
Jefferson, Missouri 6 $ 1,270,000 $ 211,666 $ 0
Hillsborough, New Hampshire 6 $ 2,360,000 $ 393,333 $ 85,000
Morris, New Jersey 6 $ 3,710,000 $ 618,333 $ 1,628,000
Somerset, New Jersey 6 $ 1,950,000 $ 325,000 $ 64,000
Oneida, New York 6 $ 1,520,000 $ 253,333 $ 0
Rensselaer, New York 6 $ 1,190,000 $ 198,333 $ 0
Harnett, North Carolina 6 $ 1,110,000 $ 185,000 $ 30,000
Hamilton, Ohio 6 $ 930,000 $ 155,000 $ 0
Northampton, Pennsylvania 6 $ 1,930,000 $ 321,666 $ 0
Walker, Texas 6 $ 880,000 $ 146,666 $ 0
Madison, Alabama 5 $ 1,155,000 $ 231,000 $ 0
Montgomery, Alabama 5 $ 965,000 $ 193,000 $ 0
Pima, Arizona 5 $ 3,065,000 $ 613,000 $ 245,000
Pulaski, Arkansas 5 $ 625,000 $ 125,000 $ 0
Fresno, California 5 $ 2,545,000 $ 509,000 $ 455,000
San Francisco, California 5 $ 5,255,000 $ 1,051,000 $ 201,000
Southeastern Connecticut Planning Region, Connecticut 5 $ 1,485,000 $ 297,000 $ 150,000
Bay, Florida 5 $ 2,655,000 $ 531,000 $ 650,000
Collier, Florida 5 $ 2,615,000 $ 523,000 $ 1,246,000
Sarasota, Florida 5 $ 1,915,000 $ 383,000 $ 158,000
Walton, Florida 5 $ 4,115,000 $ 823,000 $ 1,750,000
Spalding, Georgia 5 $ 895,000 $ 179,000 $ 0
McHenry, Illinois 5 $ 1,325,000 $ 265,000 $ 0
Lake, Indiana 5 $ 965,000 $ 193,000 $ 116,000
Prince George's, Maryland 5 $ 1,175,000 $ 235,000 $ 0
Dutchess, New York 5 $ 2,325,000 $ 465,000 $ 0
New York, New York 5 $ 6,955,000 $ 1,391,000 $ 1,659,000
Chester, Pennsylvania 5 $ 1,795,000 $ 359,000 $ 1,337,000
Berkeley, South Carolina 5 $ 1,675,000 $ 335,000 $ 0
Bradley, Tennessee 5 $ 3,265,000 $ 653,000 $ 0
Sullivan, Tennessee 5 $ 685,000 $ 137,000 $ 0
Kaufman, Texas 5 $ 895,000 $ 179,000 $ 160,000
San Patricio, Texas 5 $ 975,000 $ 195,000 $ 134,000
Washington, Texas 5 $ 925,000 $ 185,000 $ 0
Wasatch, Utah 5 $ 2,555,000 $ 511,000 $ 0
Henrico, Virginia 5 $ 1,355,000 $ 271,000 $ 63,000
Baldwin, Alabama 4 $ 4,130,000 $ 1,032,500 $ 0
Cullman, Alabama 4 $ 880,000 $ 220,000 $ 0
Coconino, Arizona 4 $ 2,310,000 $ 577,500 $ 253,000
Solano, California 4 $ 1,960,000 $ 490,000 $ 1,407,000
Sonoma, California 4 $ 3,110,000 $ 777,500 $ 326,000
Stanislaus, California 4 $ 1,830,000 $ 457,500 $ 257,000
Denver, Colorado 4 $ 2,190,000 $ 547,500 $ 0
Lower Connecticut River Valley Planning Region, Connecticut 4 $ 1,180,000 $ 295,000 $ 147,000
Charlotte, Florida 4 $ 1,360,000 $ 340,000 $ 352,000
Manatee, Florida 4 $ 4,140,000 $ 1,035,000 $ 1,646,000
Okaloosa, Florida 4 $ 4,480,000 $ 1,120,000 $ 1,325,000
Clayton, Georgia 4 $ 730,000 $ 182,500 $ 0
Owen, Indiana 4 $ 640,000 $ 160,000 $ 0
Leavenworth, Kansas 4 $ 620,000 $ 155,000 $ 0
Fayette, Kentucky 4 $ 710,000 $ 177,500 $ 53,000
Ouachita, Louisiana 4 $ 530,000 $ 132,500 $ 0
Middlesex, Massachusetts 4 $ 3,190,000 $ 797,500 $ 0
Plymouth, Massachusetts 4 $ 2,080,000 $ 520,000 $ 320,000
Lapeer, Michigan 4 $ 1,050,000 $ 262,500 $ 148,000
Hunterdon, New Jersey 4 $ 2,990,000 $ 747,500 $ 488,000
Sussex, New Jersey 4 $ 2,460,000 $ 615,000 $ 1,951,000
Warren, New Jersey 4 $ 1,040,000 $ 260,000 $ 61,000
Montgomery, New York 4 $ 650,000 $ 162,500 $ 0
Putnam, New York 4 $ 980,000 $ 245,000 $ 0
Saratoga, New York 4 $ 1,550,000 $ 387,500 $ 0
Guilford, North Carolina 4 $ 1,060,000 $ 265,000 $ 157,000
Oklahoma, Oklahoma 4 $ 1,160,000 $ 290,000 $ 666,000
Monroe, Pennsylvania 4 $ 1,670,000 $ 417,500 $ 0
Montgomery, Pennsylvania 4 $ 1,290,000 $ 322,500 $ 502,000
Pike, Pennsylvania 4 $ 830,000 $ 207,500 $ 259,000
Greenville, South Carolina 4 $ 910,000 $ 227,500 $ 0
Fentress, Tennessee 4 $ 1,410,000 $ 352,500 $ 0
Brazos, Texas 4 $ 1,440,000 $ 360,000 $ 0
Fannin, Texas 4 $ 960,000 $ 240,000 $ 0
Hays, Texas 4 $ 1,840,000 $ 460,000 $ 0
Liberty, Texas 4 $ 690,000 $ 172,500 $ 0
Lubbock, Texas 4 $ 620,000 $ 155,000 $ 0
Midland, Texas 4 $ 1,130,000 $ 282,500 $ 0
Waller, Texas 4 $ 1,950,000 $ 487,500 $ 426,000
Davis, Utah 4 $ 2,360,000 $ 590,000 $ 43,000
Virginia Beach, Virginia 4 $ 1,790,000 $ 447,500 $ 0
Jefferson, Alabama 3 $ 1,365,000 $ 455,000 $ 0
Lee, Alabama 3 $ 525,000 $ 175,000 $ 0
Mobile, Alabama 3 $ 355,000 $ 118,333 $ 0
Pinal, Arizona 3 $ 1,365,000 $ 455,000 $ 168,000
San Luis Obispo, California 3 $ 2,405,000 $ 801,666 $ 916,000
Teller, Colorado 3 $ 555,000 $ 185,000 $ 174,000
Alachua, Florida 3 $ 635,000 $ 211,666 $ 0
Clay, Florida 3 $ 655,000 $ 218,333 $ 0
Bartow, Georgia 3 $ 1,485,000 $ 495,000 $ 4,554,000
Hawaii, Hawaii 3 $ 2,365,000 $ 788,333 $ 0
Honolulu, Hawaii 3 $ 2,685,000 $ 895,000 $ 223,000
Johnson, Kansas 3 $ 875,000 $ 291,666 $ 0
East Baton Rouge, Louisiana 3 $ 515,000 $ 171,666 $ 0
Montgomery, Maryland 3 $ 1,005,000 $ 335,000 $ 0
Macomb, Michigan 3 $ 615,000 $ 205,000 $ 145,000
Oakland, Michigan 3 $ 1,225,000 $ 408,333 $ 253,000
Hennepin, Minnesota 3 $ 615,000 $ 205,000 $ 0
Madison, Mississippi 3 $ 595,000 $ 198,333 $ 0
Boone, Missouri 3 $ 515,000 $ 171,666 $ 0
Platte, Missouri 3 $ 785,000 $ 261,666 $ 0
St. Louis City, Missouri 3 $ 665,000 $ 221,666 $ 0
Lancaster, Nebraska 3 $ 795,000 $ 265,000 $ 324,000
Gloucester, New Jersey 3 $ 635,000 $ 211,666 $ 0
Bernalillo, New Mexico 3 $ 825,000 $ 275,000 $ 0
Jefferson, New York 3 $ 465,000 $ 155,000 $ 0
Onondaga, New York 3 $ 395,000 $ 131,666 $ 0
Ulster, New York 3 $ 745,000 $ 248,333 $ 0
Alamance, North Carolina 3 $ 435,000 $ 145,000 $ 0
Forsyth, North Carolina 3 $ 455,000 $ 151,666 $ 0
Iredell, North Carolina 3 $ 605,000 $ 201,666 $ 0
Pender, North Carolina 3 $ 2,835,000 $ 945,000 $ 0
Rowan, North Carolina 3 $ 515,000 $ 171,666 $ 0
Franklin, Ohio 3 $ 755,000 $ 251,666 $ 0
Hocking, Ohio 3 $ 1,495,000 $ 498,333 $ 0
Cleveland, Oklahoma 3 $ 375,000 $ 125,000 $ 0
Bucks, Pennsylvania 3 $ 1,335,000 $ 445,000 $ 896,000
Dauphin, Pennsylvania 3 $ 335,000 $ 111,666 $ 0
Delaware, Pennsylvania 3 $ 1,215,000 $ 405,000 $ 253,000
Lancaster, Pennsylvania 3 $ 1,065,000 $ 355,000 $ 0
Newport, Rhode Island 3 $ 1,805,000 $ 601,666 $ 0
Charleston, South Carolina 3 $ 1,305,000 $ 435,000 $ 509,000
Dorchester, South Carolina 3 $ 795,000 $ 265,000 $ 0
Lexington, South Carolina 3 $ 1,105,000 $ 368,333 $ 224,000
Spartanburg, South Carolina 3 $ 625,000 $ 208,333 $ 64,000
Montgomery, Tennessee 3 $ 635,000 $ 211,666 $ 0
Gillespie, Texas 3 $ 875,000 $ 291,666 $ 0
Parker, Texas 3 $ 615,000 $ 205,000 $ 0
Polk, Texas 3 $ 535,000 $ 178,333 $ 0
Williamson, Texas 3 $ 785,000 $ 261,666 $ 410,000
Utah, Utah 3 $ 1,385,000 $ 461,666 $ 455,000
Fairfax, Virginia 3 $ 2,545,000 $ 848,333 $ 1,308,000
Hampton, Virginia 3 $ 765,000 $ 255,000 $ 3,156,000
Hanover, Virginia 3 $ 785,000 $ 261,666 $ 0
Roanoke City, Virginia 3 $ 425,000 $ 141,666 $ 0
Clark, Washington 3 $ 1,465,000 $ 488,333 $ 221,000
King, Washington 3 $ 2,355,000 $ 785,000 $ 491,000
Snohomish, Washington 3 $ 1,635,000 $ 545,000 $ 1,745,000
Kanawha, West Virginia 3 $ 405,000 $ 135,000 $ 0
Waukesha, Wisconsin 3 $ 1,235,000 $ 411,666 $ 215,000
Shelby, Alabama 2 $ 350,000 $ 175,000 $ 275,000
Faulkner, Arkansas 2 $ 300,000 $ 150,000 $ 0
Lonoke, Arkansas 2 $ 350,000 $ 175,000 $ 0
Saline, Arkansas 2 $ 270,000 $ 135,000 $ 0
Butte, California 2 $ 420,000 $ 210,000 $ 101,000
El Dorado, California 2 $ 1,950,000 $ 975,000 $ 4,083,000
Mendocino, California 2 $ 2,050,000 $ 1,025,000 $ 680,000
Monterey, California 2 $ 1,940,000 $ 970,000 $ 517,000
Arapahoe, Colorado 2 $ 640,000 $ 320,000 $ 48,000
Northwest Hills Planning Region, Connecticut 2 $ 480,000 $ 240,000 $ 0
Citrus, Florida 2 $ 240,000 $ 120,000 $ 0
Indian River, Florida 2 $ 810,000 $ 405,000 $ 151,000
Martin, Florida 2 $ 260,000 $ 130,000 $ 0
Monroe, Florida 2 $ 630,000 $ 315,000 $ 268,000
Seminole, Florida 2 $ 470,000 $ 235,000 $ 162,000
Cobb, Georgia 2 $ 600,000 $ 300,000 $ 157,000
Dawson, Georgia 2 $ 870,000 $ 435,000 $ 0
Douglas, Georgia 2 $ 490,000 $ 245,000 $ 0
Floyd, Georgia 2 $ 390,000 $ 195,000 $ 180,000
Hall, Georgia 2 $ 1,190,000 $ 595,000 $ 390,000
Liberty, Georgia 2 $ 350,000 $ 175,000 $ 0
Lumpkin, Georgia 2 $ 2,350,000 $ 1,175,000 $ 0
Newton, Georgia 2 $ 350,000 $ 175,000 $ 0
White, Georgia 2 $ 550,000 $ 275,000 $ 0
Kendall, Illinois 2 $ 450,000 $ 225,000 $ 0
Madison, Indiana 2 $ 330,000 $ 165,000 $ 0
Scott, Iowa 2 $ 360,000 $ 180,000 $ 0
Campbell, Kentucky 2 $ 210,000 $ 105,000 $ 0
St. Bernard, Louisiana 2 $ 510,000 $ 255,000 $ 0
Anne Arundel, Maryland 2 $ 1,470,000 $ 735,000 $ 633,000
Bristol, Massachusetts 2 $ 1,870,000 $ 935,000 $ 0
Essex, Massachusetts 2 $ 810,000 $ 405,000 $ 0
Jackson, Michigan 2 $ 560,000 $ 280,000 $ 187,000
Washtenaw, Michigan 2 $ 500,000 $ 250,000 $ 129,000
Ray, Missouri 2 $ 530,000 $ 265,000 $ 0
St. Charles, Missouri 2 $ 470,000 $ 235,000 $ 0
Cape May, New Jersey 2 $ 350,000 $ 175,000 $ 158,000
Salem, New Jersey 2 $ 340,000 $ 170,000 $ 0
Lea, New Mexico 2 $ 550,000 $ 275,000 $ 0
Taos, New Mexico 2 $ 1,410,000 $ 705,000 $ 6,583,000
Chemung, New York 2 $ 270,000 $ 135,000 $ 0
Clinton, New York 2 $ 330,000 $ 165,000 $ 0
Fulton, New York 2 $ 220,000 $ 110,000 $ 0
Greene, New York 2 $ 1,100,000 $ 550,000 $ 292,000
Ontario, New York 2 $ 1,720,000 $ 860,000 $ 0
Warren, New York 2 $ 1,030,000 $ 515,000 $ 0
Gaston, North Carolina 2 $ 480,000 $ 240,000 $ 0
Lincoln, North Carolina 2 $ 420,000 $ 210,000 $ 0
Auglaize, Ohio 2 $ 240,000 $ 120,000 $ 0
Lake, Ohio 2 $ 370,000 $ 185,000 $ 286,000
Logan, Ohio 2 $ 920,000 $ 460,000 $ 0
Kay, Oklahoma 2 $ 490,000 $ 245,000 $ 0
Lane, Oregon 2 $ 810,000 $ 405,000 $ 225,000
Multnomah, Oregon 2 $ 800,000 $ 400,000 $ 159,000
Lehigh, Pennsylvania 2 $ 210,000 $ 105,000 $ 0
Providence, Rhode Island 2 $ 900,000 $ 450,000 $ 0
Washington, Rhode Island 2 $ 1,680,000 $ 840,000 $ 0
Beaufort, South Carolina 2 $ 1,030,000 $ 515,000 $ 0
Laurens, South Carolina 2 $ 1,520,000 $ 760,000 $ 1,157,000
Oconee, South Carolina 2 $ 430,000 $ 215,000 $ 0
Richland, South Carolina 2 $ 480,000 $ 240,000 $ 0
Blount, Tennessee 2 $ 1,510,000 $ 755,000 $ 0
Dickson, Tennessee 2 $ 310,000 $ 155,000 $ 0
Jefferson, Tennessee 2 $ 640,000 $ 320,000 $ 0
Rutherford, Tennessee 2 $ 470,000 $ 235,000 $ 0
Brown, Texas 2 $ 300,000 $ 150,000 $ 0
Cameron, Texas 2 $ 400,000 $ 200,000 $ 0
Comal, Texas 2 $ 380,000 $ 190,000 $ 0
Guadalupe, Texas 2 $ 380,000 $ 190,000 $ 0
Henderson, Texas 2 $ 320,000 $ 160,000 $ 0
Rockwall, Texas 2 $ 450,000 $ 225,000 $ 0
Kane, Utah 2 $ 570,000 $ 285,000 $ 0
Washington, Utah 2 $ 3,010,000 $ 1,505,000 $ 0
Carroll, Virginia 2 $ 270,000 $ 135,000 $ 0
Chesterfield, Virginia 2 $ 380,000 $ 190,000 $ 0
Newport News, Virginia 2 $ 350,000 $ 175,000 $ 0
Richmond City, Virginia 2 $ 560,000 $ 280,000 $ 0
Roanoke, Virginia 2 $ 310,000 $ 155,000 $ 0
Pierce, Washington 2 $ 600,000 $ 300,000 $ 0
Racine, Wisconsin 2 $ 490,000 $ 245,000 $ 126,000
Randolph, Alabama 1 $ 125,000 $ 125,000 $ 0
Apache, Arizona 1 $ 285,000 $ 285,000 $ 307,000
Mohave, Arizona 1 $ 545,000 $ 545,000 $ 398,000
Yuma, Arizona 1 $ 455,000 $ 455,000 $ 187,000
Benton, Arkansas 1 $ 405,000 $ 405,000 $ 102,000
Garland, Arkansas 1 $ 125,000 $ 125,000 $ 0
Colusa, California 1 $ 735,000 $ 735,000 $ 170,000
Inyo, California 1 $ 405,000 $ 405,000 $ 1,507,000
Lake, California 1 $ 275,000 $ 275,000 $ 109,000
Madera, California 1 $ 355,000 $ 355,000 $ 489,000
Mono, California 1 $ 1,435,000 $ 1,435,000 $ 0
Nevada, California 1 $ 435,000 $ 435,000 $ 187,000
San Benito, California 1 $ 645,000 $ 645,000 $ 210,000
Sutter, California 1 $ 255,000 $ 255,000 $ 0
Yolo, California 1 $ 645,000 $ 645,000 $ 0
Elbert, Colorado 1 $ 795,000 $ 795,000 $ 338,000
Grand, Colorado 1 $ 555,000 $ 555,000 $ 142,000
Jefferson, Colorado 1 $ 395,000 $ 395,000 $ 0
Larimer, Colorado 1 $ 365,000 $ 365,000 $ 0
Park, Colorado 1 $ 195,000 $ 195,000 $ 0
Routt, Colorado 1 $ 325,000 $ 325,000 $ 0
Northeastern Connecticut Planning Region, Connecticut 1 $ 545,000 $ 545,000 $ 0
Kent, Delaware 1 $ 285,000 $ 285,000 $ 0
Columbia, Florida 1 $ 105,000 $ 105,000 $ 0
Escambia, Florida 1 $ 365,000 $ 365,000 $ 213,000
Franklin, Florida 1 $ 925,000 $ 925,000 $ 0
Glades, Florida 1 $ 815,000 $ 815,000 $ 0
Leon, Florida 1 $ 325,000 $ 325,000 $ 0
Levy, Florida 1 $ 205,000 $ 205,000 $ 0
Santa Rosa, Florida 1 $ 205,000 $ 205,000 $ 0
Sumter, Florida 1 $ 685,000 $ 685,000 $ 1,720,000
Bibb, Georgia 1 $ 105,000 $ 105,000 $ 0
Bleckley, Georgia 1 $ 115,000 $ 115,000 $ 0
Bryan, Georgia 1 $ 355,000 $ 355,000 $ 413,000
Camden, Georgia 1 $ 205,000 $ 205,000 $ 0
Clarke, Georgia 1 $ 375,000 $ 375,000 $ 0
Decatur, Georgia 1 $ 125,000 $ 125,000 $ 0
Henry, Georgia 1 $ 125,000 $ 125,000 $ 0
Jones, Georgia 1 $ 125,000 $ 125,000 $ 0
Muscogee, Georgia 1 $ 115,000 $ 115,000 $ 0
Pickens, Georgia 1 $ 225,000 $ 225,000 $ 0
Pike, Georgia 1 $ 265,000 $ 265,000 $ 0
Rockdale, Georgia 1 $ 175,000 $ 175,000 $ 0
Walker, Georgia 1 $ 175,000 $ 175,000 $ 0
Walton, Georgia 1 $ 295,000 $ 295,000 $ 247,000
LaSalle, Illinois 1 $ 135,000 $ 135,000 $ 0
Macon, Illinois 1 $ 335,000 $ 335,000 $ 265,000
Clark, Indiana 1 $ 105,000 $ 105,000 $ 0
Gibson, Indiana 1 $ 135,000 $ 135,000 $ 0
Hendricks, Indiana 1 $ 255,000 $ 255,000 $ 0
Johnson, Indiana 1 $ 365,000 $ 365,000 $ 108,000
Kosciusko, Indiana 1 $ 125,000 $ 125,000 $ 0
Porter, Indiana 1 $ 115,000 $ 115,000 $ 0
Vanderburgh, Indiana 1 $ 105,000 $ 105,000 $ 0
Polk, Iowa 1 $ 135,000 $ 135,000 $ 74,000
Allen, Kentucky 1 $ 295,000 $ 295,000 $ 0
Boone, Kentucky 1 $ 235,000 $ 235,000 $ 0
Jefferson, Kentucky 1 $ 115,000 $ 115,000 $ 0
Calcasieu, Louisiana 1 $ 155,000 $ 155,000 $ 0
Orleans, Louisiana 1 $ 155,000 $ 155,000 $ 0
West Baton Rouge, Louisiana 1 $ 105,000 $ 105,000 $ 0
Hancock, Maine 1 $ 305,000 $ 305,000 $ 0
Carroll, Maryland 1 $ 275,000 $ 275,000 $ 0
Cecil, Maryland 1 $ 295,000 $ 295,000 $ 0
Dorchester, Maryland 1 $ 1,245,000 $ 1,245,000 $ 1,380,000
Washington, Maryland 1 $ 345,000 $ 345,000 $ 0
Grand Traverse, Michigan 1 $ 155,000 $ 155,000 $ 0
St. Clair, Michigan 1 $ 255,000 $ 255,000 $ 115,000
Anoka, Minnesota 1 $ 485,000 $ 485,000 $ 0
St. Louis, Minnesota 1 $ 165,000 $ 165,000 $ 0
Steele, Minnesota 1 $ 435,000 $ 435,000 $ 706,000
Harrison, Mississippi 1 $ 115,000 $ 115,000 $ 0
Hinds, Mississippi 1 $ 165,000 $ 165,000 $ 0
Lauderdale, Mississippi 1 $ 125,000 $ 125,000 $ 0
Lee, Mississippi 1 $ 95,000 $ 95,000 $ 0
Warren, Mississippi 1 $ 165,000 $ 165,000 $ 0
Buchanan, Missouri 1 $ 175,000 $ 175,000 $ 0
Christian, Missouri 1 $ 315,000 $ 315,000 $ 0
Clay, Missouri 1 $ 155,000 $ 155,000 $ 0
Franklin, Missouri 1 $ 165,000 $ 165,000 $ 0
Greene, Missouri 1 $ 105,000 $ 105,000 $ 0
Johnson, Missouri 1 $ 155,000 $ 155,000 $ 0
Montgomery, Missouri 1 $ 225,000 $ 225,000 $ 0
Taney, Missouri 1 $ 255,000 $ 255,000 $ 0
Warren, Missouri 1 $ 165,000 $ 165,000 $ 0
Flathead, Montana 1 $ 175,000 $ 175,000 $ 0
Yellowstone, Montana 1 $ 255,000 $ 255,000 $ 0
Carroll, New Hampshire 1 $ 355,000 $ 355,000 $ 0
Cheshire, New Hampshire 1 $ 265,000 $ 265,000 $ 0
Grafton, New Hampshire 1 $ 915,000 $ 915,000 $ 0
Otero, New Mexico 1 $ 165,000 $ 165,000 $ 0
Sandoval, New Mexico 1 $ 275,000 $ 275,000 $ 0
Broome, New York 1 $ 215,000 $ 215,000 $ 0
Cattaraugus, New York 1 $ 275,000 $ 275,000 $ 598,000
Delaware, New York 1 $ 225,000 $ 225,000 $ 0
Franklin, New York 1 $ 255,000 $ 255,000 $ 0
Niagara, New York 1 $ 805,000 $ 805,000 $ 0
Tompkins, New York 1 $ 385,000 $ 385,000 $ 0
Washington, New York 1 $ 95,000 $ 95,000 $ 0
Brunswick, North Carolina 1 $ 1,745,000 $ 1,745,000 $ 0
Catawba, North Carolina 1 $ 205,000 $ 205,000 $ 0
Cumberland, North Carolina 1 $ 95,000 $ 95,000 $ 0
Dare, North Carolina 1 $ 425,000 $ 425,000 $ 0
Davidson, North Carolina 1 $ 115,000 $ 115,000 $ 0
Gates, North Carolina 1 $ 225,000 $ 225,000 $ 0
Haywood, North Carolina 1 $ 305,000 $ 305,000 $ 100,000
Moore, North Carolina 1 $ 335,000 $ 335,000 $ 0
New Hanover, North Carolina 1 $ 225,000 $ 225,000 $ 0
Pasquotank, North Carolina 1 $ 155,000 $ 155,000 $ 0
Pitt, North Carolina 1 $ 165,000 $ 165,000 $ 0
Union, North Carolina 1 $ 515,000 $ 515,000 $ 0
Vance, North Carolina 1 $ 145,000 $ 145,000 $ 0
Butler, Ohio 1 $ 205,000 $ 205,000 $ 0
Clinton, Ohio 1 $ 245,000 $ 245,000 $ 0
Columbiana, Ohio 1 $ 135,000 $ 135,000 $ 0
Delaware, Ohio 1 $ 535,000 $ 535,000 $ 255,000
Fairfield, Ohio 1 $ 825,000 $ 825,000 $ 0
Licking, Ohio 1 $ 405,000 $ 405,000 $ 1,051,000
Lorain, Ohio 1 $ 105,000 $ 105,000 $ 0
Noble, Ohio 1 $ 105,000 $ 105,000 $ 0
Ottawa, Ohio 1 $ 105,000 $ 105,000 $ 0
Perry, Ohio 1 $ 665,000 $ 665,000 $ 0
Pickaway, Ohio 1 $ 355,000 $ 355,000 $ 133,000
Stark, Ohio 1 $ 275,000 $ 275,000 $ 0
Summit, Ohio 1 $ 425,000 $ 425,000 $ 108,000
Trumbull, Ohio 1 $ 145,000 $ 145,000 $ 0
Warren, Ohio 1 $ 195,000 $ 195,000 $ 0
Creek, Oklahoma 1 $ 145,000 $ 145,000 $ 0
Osage, Oklahoma 1 $ 125,000 $ 125,000 $ 0
Wagoner, Oklahoma 1 $ 125,000 $ 125,000 $ 0
Baker, Oregon 1 $ 275,000 $ 275,000 $ 0
Clackamas, Oregon 1 $ 555,000 $ 555,000 $ 231,000
Coos, Oregon 1 $ 455,000 $ 455,000 $ 0
Washington, Oregon 1 $ 455,000 $ 455,000 $ 339,000
Beaver, Pennsylvania 1 $ 105,000 $ 105,000 $ 0
Berks, Pennsylvania 1 $ 135,000 $ 135,000 $ 0
Carbon, Pennsylvania 1 $ 255,000 $ 255,000 $ 0
Cumberland, Pennsylvania 1 $ 425,000 $ 425,000 $ 506,000
Wayne, Pennsylvania 1 $ 155,000 $ 155,000 $ 0
Kent, Rhode Island 1 $ 475,000 $ 475,000 $ 0
Anderson, South Carolina 1 $ 125,000 $ 125,000 $ 0
Cherokee, South Carolina 1 $ 125,000 $ 125,000 $ 0
Colleton, South Carolina 1 $ 225,000 $ 225,000 $ 0
Florence, South Carolina 1 $ 75,000 $ 75,000 $ 0
Georgetown, South Carolina 1 $ 345,000 $ 345,000 $ 109,000
Kershaw, South Carolina 1 $ 275,000 $ 275,000 $ 225,000
Marion, South Carolina 1 $ 135,000 $ 135,000 $ 0
Orangeburg, South Carolina 1 $ 95,000 $ 95,000 $ 0
Pickens, South Carolina 1 $ 135,000 $ 135,000 $ 0
Williamsburg, South Carolina 1 $ 215,000 $ 215,000 $ 115,000
York, South Carolina 1 $ 95,000 $ 95,000 $ 0
Custer, South Dakota 1 $ 945,000 $ 945,000 $ 385,000
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Mortgage Loan Application Detail Totals for Emporium Tpo LLC in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Cash-out Refinancing 1,886 $911,630,000 $483,000 $3,005,000 $921,000 $7,281,000
Home Purchase 1,689 $898,615,000 $532,000 $3,005,000 $646,000 $6,583,000
Refinancing 975 $444,045,000 $455,000 $3,005,000 $939,000 $6,217,000
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 0 $0 $0 $0 $0 $0
Home Improvement 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 2,052 $1,098,050,000 $535,000 $3,005,000 $842,000 $6,591,000
Not Provided 968 $447,410,000 $462,000 $3,005,000 $1,042,000 $6,215,000
Asian 760 $368,690,000 $485,000 $2,855,000 $548,000 $7,281,000
Hispanic 558 $259,940,000 $465,000 $3,005,000 $597,000 $6,411,000
Black or African American 201 $75,585,000 $376,000 $1,765,000 $403,000 $1,973,000
American Indian or Alaskan Native 9 $3,015,000 $335,000 $735,000 $217,000 $469,000
Native Hawaiian or Other Pacific Islander 2 $1,600,000 $800,000 $1,355,000 $0 $0
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 4,550 $2,254,290,000 $495,000 $3,005,000 $768,000 $7,281,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 2,966 $1,456,110,000 $490,000 $3,005,000 $805,000 $6,591,000
Application Approved But Not Accepted 1,034 $526,700,000 $509,000 $3,005,000 $812,000 $7,281,000
Application Denied By Financial Institution 370 $172,320,000 $465,000 $3,005,000 $477,000 $4,952,000
Application Withdrawn By Applicant 169 $90,245,000 $533,000 $2,495,000 $616,000 $3,420,000
File Closed For Incompleteness 11 $8,915,000 $810,000 $2,105,000 $388,000 $1,014,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 4,180 $2,081,970,000 $498,000 $3,005,000 $791,000 $7,281,000
Other 182 $79,870,000 $438,000 $2,425,000 $387,000 $2,316,000
Collateral 89 $32,745,000 $367,000 $2,555,000 $1,109,000 $4,952,000
Credit History 75 $44,695,000 $595,000 $3,005,000 $554,000 $2,895,000
Debt-To-Income Ratio 18 $10,970,000 $609,000 $2,505,000 $155,000 $471,000
Unverifiable Information 5 $3,575,000 $715,000 $1,605,000 $433,000 $989,000
Employment History 1 $465,000 $465,000 $465,000 $231,000 $231,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Emporium Tpo LLC's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Emporium Tpo LLC's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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