Emporium TPO LLC
2,966 mortgages originated in 2025 across 12 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,966
- Median rate
- 7.250%
- Median lender fees
- $12,038
- Median loan amount
- $335,000
- Median spread over APOR
- 1.110
- Paid discount points
- 6.1%
- Received lender credits
- 10.5%
- Purchases / refinances
- 37.9% / 62.1%
- Conventional / FHA / VA
- 100% / 0% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 10.9% of loans here — see methodology.
Where Emporium TPO LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| New York | 532 | — | 7.250% |
| Texas | 458 | — | 7.250% |
| New Jersey | 403 | — | 7.375% |
| California | 403 | $14,425 | 7.250% |
| Florida | 227 | — | 7.250% |
| Illinois | 112 | — | 7.500% |
| Georgia | 76 | — | 6.990% |
| Tennessee | 75 | — | 6.990% |
| Pennsylvania | 70 | — | 7.433% |
| Missouri | 58 | — | 7.125% |
| Connecticut | 56 | — | 7.250% |
| North Carolina | 50 | — | 7.250% |