EMPORIUM TPO LLC closing costs and rates (2024)
In 2024, EMPORIUM TPO LLC originated 293 purchase mortgages at a median interest rate of 7.38% and median total closing costs of $14,899. That is $8,158 above the national median of $6,741. EMPORIUM TPO LLC is most active in California with 128 originations there.
Purchase Originations
293
Median Total Costs
$14,899
+121.0% vs national ($6,741)
Median Rate
7.375%
+11.4% vs national (6.620%)
Median Origination
$9,785
Median Lender Credits
$3,535
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 293 | 7.375% | $14,899 | $9,785 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 128 | 7.490% | $18,676 | #179 |
| Florida | 43 | 7.375% | $12,477 | — |
| New Jersey | 34 | 7.490% | $16,074 | — |
| Texas | 21 | 7.375% | $14,322 | — |
| Illinois | 11 | 7.250% | $12,808 | — |
| Arizona | 8 | 7.438% | $11,619 | — |
| Connecticut | 6 | 7.374% | $13,820 | — |
| North Carolina | 5 | 7.250% | $11,108 | — |
| Pennsylvania | 5 | 7.750% | $15,564 | — |
| South Carolina | 4 | 7.874% | $8,745 | — |
| Utah | 4 | 7.124% | $8,963 | — |
| Colorado | 3 | 7.499% | $11,320 | — |
| Ohio | 3 | 7.499% | $10,675 | — |
| Tennessee | 3 | 7.250% | $11,370 | — |
| Alabama | 2 | 7.437% | $9,367 | — |
| District of Columbia | 2 | 7.062% | $29,506 | — |
| Georgia | 2 | 7.437% | $9,536 | — |
| Michigan | 2 | 7.625% | $8,726 | — |
| Kentucky | 1 | 7.125% | $9,313 | — |
| Maryland | 1 | 9.250% | $29,060 | — |
| Minnesota | 1 | 7.125% | $10,614 | — |
| Oklahoma | 1 | 7.375% | $6,682 | — |
| Rhode Island | 1 | 6.875% | $8,799 | — |
| Washington | 1 | 7.375% | $5,668 | — |
| Wisconsin | 1 | 6.990% | $5,416 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $8,049 | 7.125% | — | 7 | −$6,850 | |
| 2 | $8,908 | 7.125% | — | 5 | −$5,991 | |
| 3 | $11,647 | 7.490% | — | 5 | −$3,252 | |
| 4 | $11,908 | 7.125% | — | 5 | −$2,991 | |
| 5 | $12,503 | 7.250% | — | 6 | −$2,396 | |
| 6 | $12,506 | 7.562% | — | 4 | −$2,393 | |
| 7 | $13,065 | 7.750% | — | 6 | −$1,834 | |
| 8 | $13,169 | 7.437% | — | 6 | −$1,730 | |
| 9 | $14,008 | 8.062% | — | 10 | −$891 | |
| 10 | $14,168 | 7.500% | — | 5 | −$731 | |
| 11 | $14,740 | 7.250% | — | 11 | −$159 | |
| 12 | $15,205 | 7.812% | — | 4 | +$306 | |
| 13 | $16,904 | 7.437% | — | 4 | +$2,005 | |
| 14 | $17,436 | 7.120% | — | 4 | +$2,537 | |
| 15 | $17,905 | 7.433% | — | 8 | +$3,006 | |
| 16 | $18,632 | 7.250% | — | 11 | +$3,733 | |
| 17 | $19,407 | 7.125% | — | 5 | +$4,508 | |
| 18 | $20,932 | 7.625% | — | 4 | +$6,033 | |
| 19 | $22,111 | 7.499% | — | 56 | +$7,212 | |
| 20 | $24,027 | 7.375% | — | 19 | +$9,128 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.