Emporium TPO in California vs the state
5.7%Denial rate-11.68 pts vs state
6.1%Decision denial rate-16.26 pts vs state
64.3%Origination rate+8.07 pts vs state
7.25%Median rate+0.63 pts vs state
1.02Rate spread (pts)+0.75 pts vs state
$463kMedian applicant income
403Loans originated
36Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 721 | 473 | 7.6% | 7.50% | #200 |
| 2025 | 627 | 403 | 5.7% | 7.25% | #226 |
What Emporium TPO lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 221 | 149 | 10 | 4.5% |
| San Diego County | 98 | 59 | 9 | 9.2% |
| Orange County | 69 | 36 | 3 | 4.3% |
| Riverside County | 29 | 23 | 2 | 6.9% |
| San Bernardino County | 28 | 16 | 3 | 10.7% |
| Santa Clara County | 21 | 12 | 3 | 14.3% |
| Sacramento County | 19 | 14 | 2 | 10.5% |
| Kern County | 18 | 11 | 1 | 5.6% |
| Alameda County | 15 | 8 | 1 | 6.7% |
| Contra Costa County | 12 | 10 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 627 applications in 2025, of which 403 were originated and 36 denied.
5.7% of all applications, or 6.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Emporium TPO originated in California in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Emporium TPO's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology