Emporium TPO in Oregon vs the state
12.5%Denial rate-2.81 pts vs state
12.5%Decision denial rate-6.66 pts vs state
87.5%Origination rate+26.88 pts vs state
7.25%Median rate+0.50 pts vs state
0.96Rate spread (pts)+0.68 pts vs state
$217kMedian applicant income
7Loans originated
1Denied
What Emporium TPO lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 2 | 1 | 1 | 50.0% |
| Lane County | 2 | 2 | 0 | 0.0% |
| Clackamas County | 1 | 1 | 0 | 0.0% |
| Baker County | 1 | 1 | 0 | 0.0% |
| Coos County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 8 applications in 2025, of which 7 were originated and 1 denied.
12.5% of all applications, or 12.5% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Emporium TPO originated in Oregon in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Emporium TPO's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology