PlainLender

EMPORIUM TPO LLC

FRISCO, TX

EMPORIUM TPO LLC processed 3,902 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 2,544 loans with a 10.9% denial rate. Home Purchase was the primary loan purpose. Based in FRISCO, TX. The approval rate of 65.2% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. EMPORIUM TPO LLC processed 3,902 HMDA-reported mortgage applications in 2024, originating 2,544 loans and denying 424 for a denial rate of 10.9% (applicants themselves withdrew 205 files before a decision). The average loan amount was $499,426 at a 7.567% average note rate, and applicants self-reported an average income of $35,000. The lender reports under LEI 984500F6E6940CCB6A60 from FRISCO, TX.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. EMPORIUM TPO LLC's 65.2% origination rate tells you how often an application turned into funded money; the 10.9% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Collateral, Credit history, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (3,902 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

3,902
Applications
2,544
Originated
10.9%
Denial Rate
$499,426
Avg Loan Amount
Avg Interest Rate: 7.567% Avg Applicant Income: $35,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 3,902 2,544 424 $499,426

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for EMPORIUM TPO LLC (LEI: 984500F6E6940CCB6A60) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Collateral
171
Credit history
117
Other
59
Debt-to-income ratio
53
Insufficient cash
27
Unverifiable information
14
Credit application incomplete
5
Employment history
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 1,693 1,129 $527,439
Cash-out Refinancing 1,387 850 $490,047
Refinancing 822 565 $457,555

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 2,005 67.0% 9.1%
Asian 736 64.1% 8.6%
Black or African American 218 65.1% 14.2%
American Indian or Alaska Native 13 53.9% 7.7%
Joint 7 100.0% 0.0%
2 or more minority races 2 50.0% 0.0%
Native Hawaiian or Other Pacific Islander 2 50.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 2,646 67.4% 9.4%
Hispanic or Latino 421 63.4% 9.0%
Joint 14 85.7% 7.1%

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

USAA BANK

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare EMPORIUM TPO LLC vs Nationstar Mortgage →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did EMPORIUM TPO LLC process?
EMPORIUM TPO LLC processed 3,902 mortgage applications in the 2023 HMDA reporting year. Of these, 2,544 were originated (approved and funded), 205 were withdrawn by the applicant, and 424 were denied.
What is EMPORIUM TPO LLC's mortgage approval rate?
EMPORIUM TPO LLC has an approval (origination) rate of 65.2%, meaning 65.2% of all applications resulted in a funded mortgage. The denial rate is 10.9%.
What is the average loan amount at EMPORIUM TPO LLC?
The average mortgage loan amount at EMPORIUM TPO LLC is $499,426. The average interest rate is 7.567%. The average applicant income is $35,000.
What are the most common reasons for mortgage denial at EMPORIUM TPO LLC?
The most common reasons for mortgage denial at EMPORIUM TPO LLC are: Collateral, Credit history, Other. In total, 424 applications were denied out of 3,902 total applications.
What types of mortgage loans does EMPORIUM TPO LLC offer?
EMPORIUM TPO LLC processes Conventional loans. The most common type is Conventional with 3,902 applications and an average loan amount of $499,426.
What loan purposes does EMPORIUM TPO LLC serve?
EMPORIUM TPO LLC serves the following loan purposes: Home Purchase (1,693 applications), Cash-out Refinancing (1,387 applications), Refinancing (822 applications). Home Purchase is the most common purpose.
Where is EMPORIUM TPO LLC located?
EMPORIUM TPO LLC is headquartered in FRISCO, TX. The lender is identified by LEI 984500F6E6940CCB6A60 in HMDA data.
How does EMPORIUM TPO LLC compare in lending across racial demographics?
EMPORIUM TPO LLC reports demographic lending data under HMDA requirements. White applicants have an approval rate of 67.0% and denial rate of 9.1%; Asian applicants have an approval rate of 64.1% and denial rate of 8.6%; Black or African American applicants have an approval rate of 65.1% and denial rate of 14.2%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.