Emporium TPO in Georgia vs the state
10.5%Denial rate-8.69 pts vs state
10.7%Decision denial rate-14.36 pts vs state
66.7%Origination rate+12.58 pts vs state
6.99%Median rate+0.37 pts vs state
0.87Rate spread (pts)+0.61 pts vs state
$237kMedian applicant income
76Loans originated
12Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 79 | 48 | 15.2% | 7.50% | #367 |
| 2025 | 114 | 76 | 10.5% | 6.99% | #321 |
What Emporium TPO lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 14 | 8 | 2 | 14.3% |
| Chatham County | 13 | 11 | 1 | 7.7% |
| Laurens County | 12 | 11 | 0 | 0.0% |
| DeKalb County | 12 | 6 | 1 | 8.3% |
| Gwinnett County | 10 | 7 | 1 | 10.0% |
| Richmond County | 9 | 7 | 1 | 11.1% |
| Spalding County | 5 | 2 | 0 | 0.0% |
| Clayton County | 4 | 3 | 0 | 0.0% |
| Bartow County | 3 | 3 | 0 | 0.0% |
| Cobb County | 2 | 0 | 1 | 50.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 114 applications in 2025, of which 76 were originated and 12 denied.
10.5% of all applications, or 10.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Emporium TPO originated in Georgia in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Emporium TPO's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology