The Loan Store, Inc.: 2025 mortgage rates, costs & approvals
How The Loan Store, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: THE LOAN STORE, INC. · LEI 254900DTLHVWQ7NP7R34
In 2025, The Loan Store, Inc. originated 20,405 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 48 states — 26th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 8 basis points above the national median. Median conventional loan costs were $6,860, 23% higher than the national median ($5,570).
It denied 5.4% of completed home-purchase applications (all lenders: 8.5%).
How The Loan Store, Inc. priced home-purchase loans
| Purchase loans, 2025 | The Loan Store, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.625% | 5.875% |
| Rate spread vs. APOR · conventional | +0.21 pts | +0.13 pts |
| Total loan costs · conventional | $6,860 | $5,570 |
| Total loan costs · FHA | $13,630 | $11,310 |
| Total loan costs · VA | $10,130 | $6,490 |
| Origination charges (all types) | $2,510 | $1,860 |
| Borrowers paying discount points | 50.7% | 51.3% |
| Points paid, when paid (% of loan) | 0.56% | 0.87% |
| Borrowers receiving lender credits | 48.5% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why The Loan Store, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where The Loan Store, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 4,214 | 4,924 | 4.8% | 6.625% | $7,580 |
| Florida | 2,049 | 2,481 | 8.2% | 6.750% | $9,400 |
| Texas | 1,683 | 2,025 | 7.7% | 6.625% | $8,160 |
| Utah | 1,310 | 1,470 | 4.0% | 6.490% | $6,810 |
| Arizona | 1,244 | 1,448 | 5.4% | 6.625% | $6,430 |
| Colorado | 1,058 | 1,236 | 5.1% | 6.490% | $5,560 |
| Illinois | 870 | 991 | 5.6% | 6.625% | $6,470 |
| Michigan | 798 | 911 | 5.5% | 6.625% | $4,900 |
| Washington | 675 | 768 | 3.8% | 6.490% | $6,830 |
| Oregon | 518 | 567 | 2.6% | 6.490% | $6,630 |
| Georgia | 475 | 580 | 6.8% | 6.625% | $5,890 |
| Nevada | 466 | 566 | 5.7% | 6.625% | $6,120 |
| North Carolina | 442 | 494 | 3.9% | 6.490% | $6,300 |
| South Carolina | 429 | 478 | 4.2% | 6.490% | $5,140 |
| New Jersey | 320 | 386 | 6.9% | 6.625% | $11,160 |
| Kentucky | 314 | 357 | 5.4% | 6.500% | $4,410 |
| Ohio | 307 | 349 | 6.1% | 6.750% | $5,500 |
| Tennessee | 291 | 329 | 2.9% | 6.625% | $6,950 |
| Pennsylvania | 282 | 328 | 4.9% | 6.625% | $7,080 |
| Alabama | 263 | 302 | 4.6% | 6.490% | $5,350 |
| Alaska | 259 | 287 | 2.9% | 6.490% | $4,960 |
| Virginia | 238 | 275 | 6.4% | 6.490% | $7,690 |
| Idaho | 231 | 249 | 1.4% | 6.375% | $6,350 |
| Indiana | 229 | 268 | 4.6% | 6.625% | $3,700 |
| Maryland | 215 | 274 | 6.9% | 6.500% | $6,710 |
| Louisiana | 195 | 231 | 4.1% | 6.625% | $6,140 |
| Hawaii | 189 | 222 | 5.9% | 6.490% | $6,050 |
| Missouri | 155 | 181 | 4.9% | 6.750% | $4,170 |
| Connecticut | 83 | 98 | 5.7% | 6.375% | $6,390 |
| Minnesota | 79 | 93 | 5.0% | 6.375% | $4,800 |
| Kansas | 76 | 87 | 4.2% | 6.625% | $4,290 |
| Montana | 69 | 74 | 1.5% | 6.375% | $6,260 |
| Oklahoma | 54 | 62 | 9.3% | 6.625% | $6,110 |
| Delaware | 49 | 55 | 2.0% | 6.490% | $7,760 |
| New Mexico | 48 | 63 | 5.7% | 6.625% | $3,270 |
| Nebraska | 47 | 53 | 6.0% | 6.875% | $4,830 |
| Wyoming | 35 | 42 | 5.0% | 6.490% | $6,030 |
| Wisconsin | 31 | 37 | 13.6% | — | — |
| Arkansas | 20 | 28 | 9.1% | — | — |
| Mississippi | 19 | 25 | 5.0% | — | — |
| New Hampshire | 18 | 22 | — | — | — |
| Maine | 18 | 18 | — | — | — |
| West Virginia | 14 | 14 | — | — | — |
| Iowa | 11 | 14 | — | — | — |
| District of Columbia | 6 | 6 | — | — | — |
| South Dakota | 4 | 4 | — | — | — |
| Rhode Island | 3 | 3 | — | — | — |
| North Dakota | 2 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open The Loan Store, Inc.'s page for that state.
Counties where The Loan Store, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Grant County, NE | 2 | 1 | 33.3% |
| Del Norte County, CA | 3 | 23 | 13.3% |
| Rock County, NE | 2 | 1 | 11.1% |
| Nevada County, CA | 2 | 141 | 10.9% |
| Skagway Municipality, AK | 3 | 1 | 9.1% |
| San Juan County, CO | 3 | 1 | 9.1% |
| Wayne County, UT | 3 | 2 | 8.3% |
| Prince of Wales-Hyder Census Area, AK | 3 | 1 | 8.3% |
| Rich County, UT | 4 | 3 | 6.7% |
| Greenlee County, AZ | 4 | 2 | 6.7% |
| Granite County, MT | 3 | 2 | 5.9% |
| Grand County, UT | 4 | 4 | 5.8% |
| Nome Census Area, AK | 4 | 2 | 5.4% |
| Franklin County, ID | 3 | 11 | 5.3% |
| Dolores County, CO | 3 | 1 | 5.3% |
Check The Loan Store, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 254900DTLHVWQ7NP7R34.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from The Loan Store, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology