Lenders › The Loan Store, Inc › California
The Loan Store, Inc in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
The Loan Store, Inc's 2024 HMDA record for California covers 8,696 applications, 5,326 of them originated, worth $2.3bn.
Its denial rate in the state was 15.5%, below the California rate of 24.8% across all lenders and compared with the lender's national rate of 13.9%.
The median rate spread on its California originations was 0.6 percentage points (state median 0.4).
Applications in the state were up 300% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | The Loan Store, Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 15.5% | 24.8% | 13.9% | 24.3% |
| Median rate spread, pp | 0.6 | 0.4 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 35.1% | 19.9% | 28.3% | 15.6% |
| Average originated loan | $428k | $566k | $342k | $329k |
| Home purchase share | 54.5% | 51.2% | 63.9% | 57.0% |
| FHA-insured share | 6.2% | 11.4% | 9.1% | 13.4% |
| VA-guaranteed share | 4.3% | 4.8% | 4.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 54% (2,901)Home improvement 12% (624)Refinancing 17% (931)Cash-out refinancing 0% (12)Other purpose 16% (858)
By type
Conventional 89% (4,763)FHA 6% (330)VA 4% (231)USDA 0% (2)
Denial reasons as coded
Share of 1,255 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 1,638 | 838 | $370m | 22.4% |
| Riverside County | 963 | 556 | $223m | 18.1% |
| Sacramento County | 751 | 522 | $203m | 9.2% |
| San Diego County | 853 | 518 | $260m | 13.6% |
| Orange County | 645 | 372 | $207m | 19.5% |
| San Bernardino County | 513 | 299 | $93m | 19.9% |
| Placer County | 296 | 209 | $91m | 9.8% |
| Contra Costa County | 232 | 151 | $67m | 10.6% |
| Alameda County | 192 | 135 | $76m | 12.4% |
| San Joaquin County | 209 | 132 | $45m | 12.6% |
| Santa Clara County | 168 | 129 | $72m | 6.8% |
| Fresno County | 171 | 114 | $39m | 6.0% |
| Kern County | 227 | 112 | $28m | 22.5% |
| Nevada County | 114 | 98 | $41m | 3.6% |
| Solano County | 143 | 94 | $38m | 11.9% |
| Sonoma County | 121 | 94 | $47m | 4.3% |
| El Dorado County | 130 | 90 | $39m | 10.9% |
| Stanislaus County | 116 | 68 | $19m | 18.3% |
| Ventura County | 106 | 68 | $27m | 13.5% |
| San Mateo County | 92 | 67 | $39m | 8.1% |
| Shasta County | 55 | 47 | $14m | 0.0% |
| San Luis Obispo County | 68 | 40 | $22m | 20.6% |
| San Francisco County | 66 | 40 | $31m | 13.6% |
| Yuba County | 53 | 37 | $10m | 6.7% |
| Tulare County | 55 | 36 | $10m | 21.6% |
| Yolo County | 55 | 33 | $13m | 10.2% |
| Madera County | 47 | 33 | $11m | 6.7% |
| Sutter County | 58 | 32 | $9.1m | 14.8% |
| Marin County | 44 | 29 | $18m | 11.9% |
| Monterey County | 42 | 28 | $12m | 15.0% |
| Merced County | 41 | 25 | $6.6m | 23.7% |
| Del Norte County | 40 | 25 | $7.2m | 5.3% |
| Kings County | 30 | 25 | $8.5m | 7.1% |
| Butte County | 42 | 24 | $7.0m | 10.8% |
| Lake County | 34 | 23 | $5.9m | 9.1% |
| Santa Barbara County | 35 | 21 | $7.6m | 21.2% |
| Calaveras County | 28 | 20 | $7.3m | 12.0% |
| Mendocino County | 28 | 16 | $6.9m | 16.0% |
| Napa County | 25 | 16 | $9.0m | — |
| Tuolumne County | 26 | 15 | $4.4m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did The Loan Store, Inc originate in California in 2024?
5,326 loans totalling $2.3bn, from 8,696 applications reported for properties in California.
What is The Loan Store, Inc's denial rate in California?
15.5% of decided applications in California were denied, against 24.8% for all lenders in the state and 13.9% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does The Loan Store, Inc lend in most?
By originations: Los Angeles County (838), Riverside County (556), Sacramento County (522), San Diego County (518), Orange County (372).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.