EMPORIUM TPO LLC — mortgage rate benchmark
- Loans in benchmark
- 118
- Evidence
- Strong evidenceBased on 118 loans — the estimate is steady at the 0.01-percentage-point precision shown.
- Pricing vs. market
- 1.21 percentage points above the benchmark
- Typical closing costs
- $9,520
- Typical time to close
- —
- As of
- 2026-08-04
Where we have data
States with enough reported loans to publish. This is our coverage of this lender, not its licensing footprint — a state missing here may still be one it lends in.
| State | vs. benchmark | Closing costs | Loans |
|---|---|---|---|
| Illinois | 1.32 percentage points above the benchmark | $9,520 | 111 |
Add yours, and we can publish rates by credit score
These numbers come from public HMDA filings, which don’t include credit scores — so every median here mixes every credit profile together. Adding your mortgage — anonymously, in under a minute — is the only thing that can break these out by credit band.
Share your rate"vs. market" is this lender's median spread over the FFIEC Average Prime Offer Rate — the like-for-like comparison, because it is measured against each loan's own benchmark curve rather than mixing products together. Rates are points-normalized estimates shown alongside closing costs, since a lower rate often comes with higher points or fees. Time to close is the typical (median) reported figure, not an average. From crowdsourced and public HMDA data, for comparison only. Not an offer, quote, or savings estimate, and no lender pays for placement or ordering on this site.