Emporium TPO in Texas vs the state
5.3%Denial rate-14.17 pts vs state
5.3%Decision denial rate-19.56 pts vs state
70.9%Origination rate+16.02 pts vs state
7.25%Median rate+0.75 pts vs state
1.29Rate spread (pts)+1.10 pts vs state
$256kMedian applicant income
458Loans originated
34Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 580 | 420 | 6.9% | 7.38% | #229 |
| 2025 | 646 | 458 | 5.3% | 7.25% | #222 |
What Emporium TPO lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 151 | 106 | 11 | 7.3% |
| Bexar County | 95 | 86 | 1 | 1.1% |
| Tarrant County | 35 | 25 | 1 | 2.9% |
| Jefferson County | 34 | 12 | 0 | 0.0% |
| Dallas County | 32 | 25 | 4 | 12.5% |
| Bell County | 27 | 14 | 4 | 14.8% |
| Travis County | 23 | 15 | 1 | 4.3% |
| Fort Bend County | 23 | 11 | 4 | 17.4% |
| Nueces County | 18 | 11 | 3 | 16.7% |
| Collin County | 16 | 10 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 646 applications in 2025, of which 458 were originated and 34 denied.
5.3% of all applications, or 5.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Emporium TPO originated in Texas in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Emporium TPO's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology