The Loan Store Mortgage Rates, Fees & Info
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Mortgage Data
Review & Overview
The Loan Store is a small mortgage company specializing in Home Purchase, Cash Out Refi, and Refi loans. The Loan Store has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Seattle, San Jose, San Francisco, and Dallas among others. We have data for 173 markets. (Some data included below & more in-depth data is available with an active subscription.)The Loan Store has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The Loan Store is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.62% | 12/16/24 |
| 30 Year Conventional Refi | 6.44% | 12/16/24 |
| 30 Year Cash-out Refi | 6.64% | 12/16/24 |
| 30 Year FHA Purchase | 6.27% | 12/16/24 |
| 30 Year VA Purchase | 6.43% | 12/16/24 |
| 30 Year VA Refi | 6.27% | 12/16/24 |
| 15 Year Conventional Purchase | 5.87% | 12/16/24 |
| 15 Year Conventional Refi | 5.66% | 12/16/24 |
| 15 Year Cash-out Refi | 5.66% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
The Loan Store Mortgage Calculator
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This is not an official calculator from The Loan Store. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,384Origination Dollar Volume (All Markets)
$1,176,480,000Awards
The Loan Store - 2018
The Loan Store is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 408 | $172,350,000 | $422,426 | $5,191 | 4.50% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 340 | $138,220,000 | $406,529 | $4,304 | 4.35% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 224 | $102,130,000 | $455,938 | $3,507 | 4.39% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 245 | $101,515,000 | $414,347 | $4,088 | 4.41% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 203 | $59,325,000 | $292,241 | $4,830 | 4.29% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 141 | $54,915,000 | $389,468 | $5,105 | 4.40% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 167 | $54,015,000 | $323,443 | $3,659 | 4.63% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 132 | $41,590,000 | $315,076 | $4,415 | 4.50% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 102 | $28,640,000 | $280,784 | $4,815 | 4.22% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 85 | $27,285,000 | $321,000 | $3,783 | 4.35% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 70 | $20,700,000 | $295,714 | $3,845 | 4.33% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 60 | $17,750,000 | $295,833 | $4,737 | 4.33% |
| STOCKTON, CA (FHA|USDA|VA) | 59 | $17,065,000 | $289,237 | $3,521 | 4.64% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 54 | $16,960,000 | $314,074 | $3,769 | 4.40% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 42 | $16,550,000 | $394,048 | $6,252 | 4.28% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 34 | $15,940,000 | $468,824 | $5,549 | 4.56% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 55 | $15,745,000 | $286,273 | $5,223 | 4.21% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 40 | $13,860,000 | $346,500 | $6,097 | 4.11% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 47 | $13,625,000 | $289,894 | $4,835 | 4.22% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 29 | $12,125,000 | $418,103 | $5,064 | 4.49% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 37 | $12,005,000 | $324,459 | $5,850 | 4.10% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 41 | $11,425,000 | $278,659 | $4,122 | 4.38% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 38 | $10,350,000 | $272,368 | $3,281 | 4.14% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 33 | $8,355,000 | $253,182 | $4,680 | 4.35% |
| VALLEJO, CA (FHA|USDA|VA) | 21 | $7,785,000 | $370,714 | $4,208 | 4.45% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 21 | $7,675,000 | $365,476 | $3,818 | 4.24% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 24 | $7,110,000 | $296,250 | $4,641 | 4.15% |
| Outside of Metro Areas | 26 | $6,960,000 | $267,692 | $4,145 | 4.45% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 20 | $6,770,000 | $338,500 | $3,940 | 4.44% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 21 | $6,475,000 | $308,333 | $4,846 | 4.21% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 23 | $5,685,000 | $247,174 | $4,794 | 4.23% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 18 | $5,220,000 | $290,000 | $3,584 | 3.93% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 12 | $5,080,000 | $423,333 | $4,195 | 4.32% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 17 | $4,415,000 | $259,706 | $3,298 | 4.62% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 9 | $3,885,000 | $431,667 | $7,194 | 4.33% |
| FRESNO, CA (FHA|USDA|VA) | 15 | $3,835,000 | $255,667 | $3,530 | 4.51% |
| MODESTO, CA (FHA|USDA|VA) | 15 | $3,695,000 | $246,333 | $3,237 | 4.68% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 13 | $3,475,000 | $267,308 | $4,274 | 4.38% |
| SALINAS, CA (FHA|USDA|VA) | 9 | $3,415,000 | $379,444 | $3,804 | 4.47% |
| CHICO, CA (FHA|USDA|VA) | 10 | $3,000,000 | $300,000 | $3,929 | 4.58% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 10 | $2,910,000 | $291,000 | $4,324 | 4.43% |
| PITTSBURGH, PA (FHA|USDA|VA) | 11 | $2,845,000 | $258,636 | $5,085 | 4.38% |
| BOULDER, CO (FHA|USDA|VA) | 7 | $2,765,000 | $395,000 | $2,632 | 4.04% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 8 | $2,740,000 | $342,500 | $4,699 | 4.17% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 10 | $2,740,000 | $274,000 | $4,215 | 4.13% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 8 | $2,640,000 | $330,000 | $3,756 | 4.52% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 12 | $2,620,000 | $218,333 | $3,148 | 4.27% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 10 | $2,590,000 | $259,000 | $3,146 | 4.03% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 7 | $2,375,000 | $339,286 | $4,685 | 4.20% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 8 | $2,330,000 | $291,250 | $3,103 | 4.14% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 9 | $2,245,000 | $249,444 | $2,960 | 4.39% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 9 | $2,225,000 | $247,222 | $3,653 | 4.14% |
| Breckenridge, CO (FHA|USDA|VA) | 3 | $2,175,000 | $725,000 | $3,272 | 4.67% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 8 | $2,100,000 | $262,500 | $5,717 | 4.16% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 9 | $2,075,000 | $230,556 | $2,463 | 4.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 11 | $2,075,000 | $188,636 | $3,775 | 4.72% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 8 | $2,000,000 | $250,000 | $4,714 | 3.95% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 8 | $1,830,000 | $228,750 | $3,922 | 4.69% |
| SALEM, OR (FHA|USDA|VA) | 6 | $1,810,000 | $301,667 | $4,403 | 4.58% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 6 | $1,740,000 | $290,000 | $3,991 | 4.40% |
| COLUMBUS, OH (FHA|USDA|VA) | 7 | $1,685,000 | $240,714 | $3,210 | 4.34% |
| RICHMOND, VA (FHA|USDA|VA) | 7 | $1,655,000 | $236,429 | $4,977 | 4.38% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 6 | $1,530,000 | $255,000 | $4,621 | 4.13% |
| FORT COLLINS, CO (FHA|USDA|VA) | 5 | $1,425,000 | $285,000 | $3,638 | 4.40% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 7 | $1,415,000 | $202,143 | $4,558 | 3.96% |
| PROVO-OREM, UT (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $4,014 | 4.40% |
| BEND, OR (FHA|USDA|VA) | 4 | $1,390,000 | $347,500 | $4,233 | 4.31% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 7 | $1,325,000 | $189,286 | $3,919 | 4.68% |
| Oak Harbor, WA (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $4,173 | 4.19% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $2,859 | 3.63% |
| YUBA CITY, CA (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $3,068 | 4.48% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $4,409 | 4.28% |
| Glenwood Springs, CO (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $3,545 | 3.75% |
| TUCSON, AZ (FHA|USDA|VA) | 5 | $1,115,000 | $223,000 | $5,865 | 4.05% |
| GREELEY, CO (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $3,256 | 4.38% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $1,055,000 | $211,000 | $4,407 | 4.28% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $4,072 | 4.13% |
| NAPA, CA (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $2,263 | 4.69% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $3,419 | 4.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $4,149 | 4.63% |
| Clearlake, CA (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $4,741 | 4.25% |
| AKRON, OH (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $4,096 | 4.17% |
| Shelton, WA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $3,170 | 4.42% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $2,402 | 4.04% |
| ST. GEORGE, UT (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $2,360 | 5.50% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $4,342 | 4.09% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $5,853 | 4.25% |
| YAKIMA, WA (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $3,075 | 4.19% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $3,589 | 4.25% |
| ANN ARBOR, MI (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $2,728 | 4.53% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $3,617 | 4.21% |
| Morehead City, NC (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $3,191 | 4.04% |
| MERCED, CA (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $4,288 | 4.66% |
| CORVALLIS, OR (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,557 | 4.19% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,353 | 4.17% |
| MEDFORD, OR (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $3,131 | 4.53% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,941 | 4.13% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,749 | 4.44% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,179 | 4.31% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $4,383 | 4.21% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,520 | 4.00% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,251 | 3.81% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $3,555 | 4.29% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $6,265 | 4.81% |
| REDDING, CA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,907 | 4.56% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $3,440 | 4.22% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,965 | 4.56% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,576 | 5.06% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,827 | 4.19% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,238 | 4.25% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,492 | 3.94% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,215 | 4.13% |
| SAN ANGELO, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,369 | 4.19% |
| MADERA, CA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,610 | 4.50% |
| Ukiah, CA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,136 | 4.13% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,498 | 3.88% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,524 | 3.63% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,755 | 4.13% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,610 | 4.06% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $7,941 | 3.63% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,379 | 4.63% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,363 | 4.00% |
| Durango, CO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,255 | 3.63% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,731 | 4.13% |
| Salem, OH (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $8,706 | 4.38% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,588 | 4.13% |
| READING, PA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,792 | 3.63% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,191 | 4.25% |
| OCALA, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,478 | 3.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,490 | 4.88% |
| Centralia, WA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,275 | 4.31% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,643 | 4.13% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,107 | 4.63% |
| Hailey, ID (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,437 | 4.00% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,186 | 4.13% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,676 | 4.81% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,656 | 4.63% |
| El Campo, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,911 | 4.13% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,074 | 4.38% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,939 | 4.00% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,985 | 3.75% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,532 | 3.75% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,912 | 3.75% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,684 | 4.25% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,594 | 4.94% |
| Bay City, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,211 | 4.13% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,702 | 4.75% |
| Hood River, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,961 | 4.25% |
| Sonora, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,866 | 4.50% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,381 | 5.25% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,311 | 4.25% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,730 | 4.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,333 | 3.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,242 | 3.88% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,731 | 3.88% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,183 | 4.63% |
| Findlay, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,150 | 3.88% |
| ERIE, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,741 | 3.25% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,065 | 4.00% |
| Lock Haven, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,609 | 3.88% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,853 | 4.75% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,440 | 5.63% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,971 | 4.63% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,278 | 4.50% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,958 | 5.38% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,948 | 4.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,681 | 4.00% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,240 | 4.25% |
| Payson, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,289 | 5.25% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,843 | 4.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,212 | 3.63% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,588 | 3.63% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,031 | 5.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against The Loan Store based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 3,384 | $1,176,480,000 | $347,660 | $4,392 | 4.38% |
For 2018, The Loan Store's most frequently originated type of loan was Conventional, with 3,384 originations.
Loan Reason
For 2018, The Loan Store's most frequently cited loan purpose was Home Purchase, with 1,688 originations. The 2nd most popular reason was Cash Out Refi, with 952 originations.
Loan Duration/Length
For 2018, The Loan Store's most frequently cited loan duration was 30 Year, with 2,764 originations. The 2nd most popular length was 15 Year, with 440 originations.
Origination Fees/Closing Costs
The Loan Store's average total fees were $4,468, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,193 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 2,150 | $772,850,000 | $359,465 |
| 3-4% | 928 | $302,080,000 | $325,517 |
| 5-6% | 303 | $100,405,000 | $331,370 |
| 2.5-3% | 3 | $1,145,000 | $381,667 |
During 2018, The Loan Store's average interest rate for loans was 4.49%, while their most frequently originated rate bucket for loans was 4-5%, with 2,150 originations.
Loan Sizing
2018 saw The Loan Store place emphasis on $200k-400k loans with 1,807 originations, totaling $537,805,000 in origination value.
Applicant Income
The Loan Store lent most frequently to those with incomes in the $100k-150k range, with 1,170 originations. The second most popular income band? $150k-250k, with 732 originations.
Applicant Debt to Income Ratio
The Loan Store lent most frequently to those with DTI ratios of 30-36%, with 597 originations. The next most common DTI ratio? 20-30%, with 596 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications80.88%
The Loan Store has a below average approval rate.
Pick Rate
Approvals leading to origination63.48%
The Loan Store has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,384 | $1,176,480,000 | $347,660 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 3,384 | $1,176,480,000 | $347,660 |