Purchase Originations
17,512
Ranked #25 nationally
Median Total Costs
$7,835
+17.3% vs national ($6,680)
↓ $366 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.135% vs prior year
Median Origination
$2,507
Median Lender Credits
$1,038
Cost Rank (500+ vol.)
#432
among lenders with 500+ originations
Denial Rate
4.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 13,998 | 6.500% | $6,852 | $2,667 |
| fha | 2,667 | 6.250% | $13,649 | $1,957 |
| va | 757 | 6.250% | $10,131 | $2,035 |
| usda | 90 | 6.250% | $7,258 | $1,303 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 3,571 | 6.490% | $8,352 | #13 |
| Florida | 1,800 | 6.490% | $11,327 | #23 |
| Texas | 1,460 | 6.490% | $9,154 | #43 |
| Utah | 1,093 | 6.375% | $8,123 | #8 |
| Arizona | 1,073 | 6.490% | $7,527 | #16 |
| Colorado | 945 | 6.490% | $6,736 | #14 |
| Illinois | 668 | 6.490% | $6,533 | #32 |
| Michigan | 650 | 6.625% | $5,184 | #26 |
| Washington | 562 | 6.375% | $7,637 | #30 |
| Oregon | 471 | 6.375% | $7,506 | #23 |
| Nevada | 407 | 6.490% | $7,227 | #16 |
| Georgia | 400 | 6.490% | $7,061 | #59 |
| North Carolina | 394 | 6.490% | $6,754 | #64 |
| South Carolina | 388 | 6.375% | $6,620 | #45 |
| Kentucky | 277 | 6.490% | $4,903 | #39 |
| Ohio | 275 | 6.625% | $5,871 | #77 |
| New Jersey | 269 | 6.625% | $11,844 | #56 |
| Alaska | 253 | 6.375% | $7,173 | #5 |
| Pennsylvania | 251 | 6.625% | $7,638 | #88 |
| Tennessee | 242 | 6.490% | $7,894 | #66 |
| Alabama | 228 | 6.375% | $6,429 | #50 |
| Indiana | 211 | 6.490% | $4,441 | #80 |
| Virginia | 205 | 6.490% | $9,273 | #81 |
| Idaho | 198 | 6.250% | $7,276 | #31 |
| Maryland | 190 | 6.490% | $7,459 | #66 |
| Louisiana | 166 | 6.490% | $6,677 | #43 |
| Hawaii | 158 | 6.375% | $7,090 | #16 |
| Missouri | 124 | 6.625% | $4,517 | #75 |
| Minnesota | 69 | 6.375% | $5,956 | #112 |
| Connecticut | 65 | 6.375% | $6,568 | #68 |
| Kansas | 64 | 6.500% | $4,905 | #87 |
| Montana | 60 | 6.250% | $6,765 | #31 |
| Oklahoma | 47 | 6.490% | $6,676 | — |
| Delaware | 44 | 6.490% | $8,183 | — |
| Nebraska | 44 | 6.750% | $4,890 | — |
| New Mexico | 42 | 6.490% | $5,423 | — |
| Wyoming | 34 | 6.490% | $7,201 | — |
| Mississippi | 17 | 6.375% | $5,550 | — |
| Wisconsin | 17 | 6.490% | $4,130 | — |
| Arkansas | 16 | 6.490% | $3,570 | — |
| Maine | 15 | 6.490% | $3,863 | — |
| New Hampshire | 14 | 6.558% | $6,012 | — |
| West Virginia | 13 | 6.750% | $4,562 | — |
| Iowa | 9 | 6.250% | $6,340 | — |
| District of Columbia | 5 | 5.990% | $13,016 | — |
| Rhode Island | 3 | 6.125% | $14,613 | — |
| South Dakota | 3 | 6.000% | $15,997 | — |
| North Dakota | 2 | 7.740% | $11,266 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,856 | 6.625% | — | 158 | −$2,979 | |
| 2 | $4,859 | 6.490% | — | 149 | −$2,976 | |
| 3 | $6,374 | 6.375% | — | 480 | −$1,461 | |
| 4 | $6,609 | 6.490% | — | 308 | −$1,226 | |
| 5 | $6,925 | 6.490% | — | 214 | −$910 | |
| 6 | $7,069 | 6.490% | — | 278 | −$766 | |
| 7 | $7,072 | 6.250% | — | 169 | −$763 | |
| 8 | $7,569 | 6.490% | — | 627 | −$266 | |
| 9 | $8,008 | 6.375% | — | 160 | +$173 | |
| 10 | $8,385 | 6.375% | — | 319 | +$550 | |
| 11 | $8,573 | 6.375% | — | 229 | +$738 | |
| 12 | $8,611 | 6.375% | — | 144 | +$776 | |
| 13 | $8,676 | 6.490% | — | 280 | +$841 | |
| 14 | $9,044 | 6.490% | — | 249 | +$1,209 | |
| 15 | $9,308 | 6.375% | — | 157 | +$1,473 | |
| 16 | $9,323 | 6.490% | — | 464 | +$1,488 | |
| 17 | $10,605 | 6.490% | — | 164 | +$2,770 | |
| 18 | $10,934 | 6.625% | — | 343 | +$3,099 | |
| 19 | $15,197 | 6.500% | — | 246 | +$7,362 | |
| 20 | $15,436 | 6.625% | — | 346 | +$7,601 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | The Loan Store, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $405,000 | $335,000 | +$70,000 (+20.9%) |
| Median total closing costs | $7,835 | $7,127 | +$708 (+9.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.