The Loan Store Mortgage Rates, Fees & Info
CAMDEN, DELEI: 254900DTLHVWQ7NP7R34
Tax ID: 46-3676810
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Mortgage Data
Review & Overview
The Loan Store is a smaller mortgage company specializing in Refi, Cash Out Refi, and Home Purchase loans. The Loan Store has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, San Francisco, San Jose, Seattle, and Sacramento among others. We have data for 103 markets. (Some data included below & more in-depth data is available with an active subscription.)The Loan Store has an above 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 an average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.62% | 4/22/24 |
| 30 Year Conventional Refi | 6.44% | 4/22/24 |
| 30 Year Cash-out Refi | 6.64% | 4/22/24 |
| 30 Year FHA Purchase | 6.27% | 4/22/24 |
| 30 Year VA Purchase | 6.43% | 4/22/24 |
| 30 Year VA Refi | 6.27% | 4/22/24 |
| 15 Year Conventional Purchase | 5.87% | 4/22/24 |
| 15 Year Conventional Refi | 5.66% | 4/22/24 |
| 15 Year Cash-out Refi | 5.66% | 4/22/24 |
| 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. | ||
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
741Origination Dollar Volume (All Markets)
$274,215,000Awards
The Loan Store - 2019
The Loan Store is a 2019 , due to their low .
For 2019, 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) | 82 | $39,790,000 | $485,244 | $8,739 | 4.33% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 55 | $25,875,000 | $470,455 | $5,669 | 4.41% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 42 | $22,060,000 | $525,238 | $5,524 | 4.39% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 43 | $17,605,000 | $409,419 | $6,402 | 4.43% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 37 | $13,595,000 | $367,432 | $5,117 | 4.53% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 29 | $10,785,000 | $371,897 | $5,520 | 3.51% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 35 | $9,915,000 | $283,286 | $7,449 | 4.26% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 20 | $9,820,000 | $491,000 | $6,550 | 4.39% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 27 | $9,465,000 | $350,556 | $6,216 | 4.40% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 28 | $8,170,000 | $291,786 | $8,329 | 4.15% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 24 | $7,500,000 | $312,500 | $4,449 | 4.48% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 22 | $7,450,000 | $338,636 | $5,665 | 4.24% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 18 | $5,020,000 | $278,889 | $8,905 | 4.29% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 11 | $4,645,000 | $422,273 | $6,336 | 4.50% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 11 | $4,585,000 | $416,818 | $6,883 | 4.68% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 12 | $4,040,000 | $336,667 | $8,827 | 4.52% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 12 | $3,860,000 | $321,667 | $3,888 | 3.51% |
| PROVO-OREM, UT (FHA|USDA|VA) | 12 | $3,840,000 | $320,000 | $4,449 | 3.59% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 9 | $3,575,000 | $397,222 | $5,647 | 4.18% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 12 | $3,460,000 | $288,333 | $7,971 | 4.76% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 9 | $3,435,000 | $381,667 | $11,071 | 4.24% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 12 | $3,000,000 | $250,000 | $11,125 | 4.61% |
| SALINAS, CA (FHA|USDA|VA) | 5 | $2,705,000 | $541,000 | $5,783 | 4.43% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $2,235,000 | $319,286 | $8,834 | 5.02% |
| VALLEJO, CA (FHA|USDA|VA) | 7 | $2,225,000 | $317,857 | $6,322 | 4.41% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 6 | $1,980,000 | $330,000 | $8,069 | 3.98% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 5 | $1,925,000 | $385,000 | $5,493 | 4.95% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $1,835,000 | $367,000 | $9,949 | 4.60% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 5 | $1,585,000 | $317,000 | $11,541 | 4.28% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $1,515,000 | $303,000 | $7,785 | 4.70% |
| Outside of Metro Areas | 5 | $1,515,000 | $303,000 | $7,681 | 5.05% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 6 | $1,500,000 | $250,000 | $4,301 | 4.23% |
| MODESTO, CA (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $6,466 | 4.48% |
| STOCKTON, CA (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $4,560 | 4.80% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $4,585 | 3.98% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $6,019 | 5.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $10,475 | 4.75% |
| LOUISVILLE, KY (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $3,843 | 4.33% |
| Edwards, CO (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $10,493 | 4.00% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $2,294 | 4.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $7,644 | 4.21% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $7,618 | 3.75% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $10,113 | 4.47% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $4,842 | 4.38% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $13,768 | 6.38% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $8,128 | 4.21% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $8,043 | 4.31% |
| WACO, TX (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $2,845 | 3.88% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $8,530 | 4.38% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $4,975 | 4.13% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $3,013 | 5.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $13,491 | 5.56% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $13,766 | 6.63% |
| Sonora, CA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $13,200 | 4.75% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,605 | 4.31% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $5,344 | 4.63% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,899 | 4.50% |
| Torrington, CT (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,513 | 4.44% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,117 | 4.44% |
| NAPA, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $9,080 | 5.00% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,263 | 4.88% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $5,788 | 3.75% |
| MADERA, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $7,429 | 4.25% |
| Key West, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $10,550 | 3.69% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $7,680 | 4.94% |
| Heber, UT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,622 | 3.63% |
| Shelton, WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $10,927 | 4.13% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,447 | 3.63% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,745 | 3.44% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $12,257 | 3.75% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $11,737 | 4.50% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,548 | 3.75% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,654 | 4.25% |
| FLINT, MI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,991 | 4.63% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,124 | 4.25% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,026 | 4.63% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,095 | 4.13% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,240 | 3.13% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,272 | 5.13% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,600 | 4.25% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,591 | 4.50% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,352 | 3.50% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,844 | 3.38% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,331 | 5.50% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,317 | 4.25% |
| OCALA, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,630 | 4.75% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,242 | 3.75% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,186 | 3.63% |
| Centralia, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,321 | 4.50% |
| MERCED, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,119 | 4.88% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,365 | 4.88% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,605 | 4.88% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,056 | 3.63% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $5,719 | 5.44% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,376 | 4.13% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,838 | 4.50% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,281 | 3.25% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,051 | 4.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,824 | 4.63% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,923 | 5.88% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,649 | 5.25% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,966 | 4.13% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,336 | 4.38% |
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 | 741 | $274,215,000 | $370,061 | $6,824 | 4.35% |
For 2019, The Loan Store's most frequently originated type of loan was Conventional, with 741 originations.
Loan Reason
For 2019, The Loan Store's most frequently cited loan purpose was Refi, with 315 originations. The 2nd most popular reason was Cash Out Refi, with 225 originations.
Loan Duration/Length
For 2019, The Loan Store's most frequently cited loan duration was 30 Year, with 602 originations. The 2nd most popular length was 15 Year, with 118 originations.
Origination Fees/Closing Costs
The Loan Store's average total fees were $6,866, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 307 originations.
Interest Rates
During 2019, The Loan Store's average interest rate for loans was 4.51%, while their most frequently originated rate bucket for loans was 4-5%, with 401 originations.
Loan Sizing
2019 saw The Loan Store place emphasis on $200k-400k loans with 343 originations, totaling $106,055,000 in origination value.
Applicant Income
The Loan Store lent most frequently to those with incomes in the $100k-150k range, with 233 originations. The second most popular income band? $150k-250k, with 212 originations.
Applicant Debt to Income Ratio
The Loan Store lent most frequently to those with DTI ratios of 20-30%, with 135 originations. The next most common DTI ratio? 30-36%, with 130 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.47%
The Loan Store has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination48.58%
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 | 741 | $274,215,000 | $370,061 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 741 | $274,215,000 | $370,061 |