Emporium TPO in Florida vs the state
11.9%Denial rate-9.19 pts vs state
12.3%Decision denial rate-14.94 pts vs state
57.3%Origination rate+4.63 pts vs state
7.25%Median rate+0.63 pts vs state
1.21Rate spread (pts)+0.94 pts vs state
$326kMedian applicant income
227Loans originated
47Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 440 | 279 | 13.6% | 7.38% | #257 |
| 2025 | 396 | 227 | 11.9% | 7.25% | #272 |
What Emporium TPO lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 81 | 41 | 11 | 13.6% |
| Broward County | 63 | 32 | 9 | 14.3% |
| Duval County | 26 | 18 | 3 | 11.5% |
| Hillsborough County | 19 | 13 | 2 | 10.5% |
| Flagler County | 16 | 10 | 2 | 12.5% |
| Orange County | 16 | 7 | 2 | 12.5% |
| Palm Beach County | 16 | 7 | 0 | 0.0% |
| Pinellas County | 15 | 6 | 3 | 20.0% |
| Volusia County | 11 | 7 | 1 | 9.1% |
| Pasco County | 11 | 7 | 1 | 9.1% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 396 applications in 2025, of which 227 were originated and 47 denied.
11.9% of all applications, or 12.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Emporium TPO originated in Florida 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 Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology