Purchase Originations
182
Median Total Costs
$13,417
+100.8% vs national ($6,680)
↓ $1,482 vs prior year
Median Rate
7.188%
+10.8% vs national (6.490%)
↓ 0.187% vs prior year
Median Origination
$8,280
Median Lender Credits
$4,046
Denial Rate
8.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 182 | 7.188% | $13,417 | $8,280 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 88 | 7.125% | $15,355 | #215 |
| New Jersey | 26 | 7.188% | $16,778 | — |
| Illinois | 16 | 7.433% | $9,977 | — |
| Florida | 15 | 6.990% | $14,382 | — |
| Texas | 10 | 7.375% | $12,677 | — |
| Wisconsin | 5 | 7.375% | $6,126 | — |
| Colorado | 3 | 6.625% | $8,537 | — |
| Ohio | 3 | 6.875% | $8,006 | — |
| Oregon | 3 | 7.250% | $7,963 | — |
| Georgia | 2 | 6.562% | $12,088 | — |
| Indiana | 2 | 7.938% | $6,513 | — |
| Pennsylvania | 2 | 8.438% | $10,545 | — |
| Arizona | 1 | 7.250% | $8,150 | — |
| Connecticut | 1 | 6.875% | $18,231 | — |
| Delaware | 1 | 6.875% | $10,496 | — |
| Kentucky | 1 | 7.375% | $7,342 | — |
| North Carolina | 1 | 8.875% | $8,767 | — |
| Virginia | 1 | 7.490% | $7,429 | — |
| Washington | 1 | 6.875% | $7,468 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,251 | 7.375% | — | 3 | −$8,166 | |
| 2 | $5,711 | 7.750% | — | 2 | −$7,706 | |
| 3 | $7,146 | 6.990% | — | 3 | −$6,271 | |
| 4 | $8,756 | 7.558% | — | 4 | −$4,661 | |
| 5 | $8,882 | 7.308% | — | 10 | −$4,535 | |
| 6 | $10,545 | 6.812% | — | 6 | −$2,872 | |
| 7 | $10,883 | 7.438% | — | 2 | −$2,534 | |
| 8 | $11,192 | 7.375% | — | 3 | −$2,225 | |
| 9 | $11,641 | 6.990% | — | 3 | −$1,776 | |
| 10 | $12,429 | 7.490% | — | 5 | −$988 | |
| 11 | $13,934 | 6.990% | — | 2 | +$517 | |
| 12 | $14,253 | 7.375% | — | 3 | +$836 | |
| 13 | $14,317 | 7.870% | — | 2 | +$900 | |
| 14 | $15,355 | 7.125% | — | 14 | +$1,938 | |
| 15 | $16,719 | 7.125% | — | 3 | +$3,302 | |
| 16 | $16,778 | 7.125% | — | 10 | +$3,361 | |
| 17 | $18,547 | 7.558% | — | 4 | +$5,130 | |
| 18 | $18,738 | 7.058% | — | 2 | +$5,321 | |
| 19 | $22,789 | 8.500% | — | 3 | +$9,372 | |
| 20 | $23,318 | 6.990% | — | 31 | +$9,901 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Emporium Tpo LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $555,000 | $335,000 | +$220,000 (+65.7%) |
| Median total closing costs | $13,417 | $7,127 | +$6,290 (+88.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.