Lenders › The Loan Store, Inc › Florida
The Loan Store, Inc in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida 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 Florida covers 5,125 applications, 2,797 of them originated, worth $794m.
Its denial rate in the state was 20.9%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 13.9%.
The median rate spread on its Florida originations was 1.1 percentage points (state median 0.3).
Applications in the state were up 428% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | The Loan Store, Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 20.9% | 29.0% | 13.9% | 24.3% |
| Median rate spread, pp | 1.1 | 0.3 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 46.0% | 16.4% | 28.3% | 15.6% |
| Average originated loan | $284k | $359k | $342k | $329k |
| Home purchase share | 51.7% | 62.9% | 63.9% | 57.0% |
| FHA-insured share | 13.3% | 17.7% | 9.1% | 13.4% |
| VA-guaranteed share | 2.8% | 9.5% | 4.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 52% (1,446)Home improvement 15% (421)Refinancing 9% (262)Cash-out refinancing 0% (10)Other purpose 23% (657)
By type
Conventional 84% (2,347)FHA 13% (372)VA 3% (78)
Denial reasons as coded
Share of 969 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 881 | 452 | $159m | 23.6% |
| Broward County | 681 | 347 | $109m | 25.0% |
| Hillsborough County | 365 | 194 | $50m | 22.6% |
| Palm Beach County | 364 | 193 | $52m | 22.5% |
| Orange County | 265 | 144 | $35m | 22.1% |
| Pinellas County | 234 | 125 | $35m | 19.5% |
| Pasco County | 184 | 121 | $32m | 15.7% |
| Lee County | 198 | 117 | $35m | 15.3% |
| Duval County | 162 | 96 | $21m | 15.8% |
| Volusia County | 137 | 81 | $20m | 17.7% |
| Brevard County | 134 | 81 | $23m | 13.4% |
| Sarasota County | 123 | 80 | $22m | 16.2% |
| Polk County | 126 | 60 | $12m | 23.4% |
| Seminole County | 102 | 59 | $13m | 19.1% |
| St. Lucie County | 93 | 58 | $16m | 15.7% |
| Osceola County | 109 | 57 | $18m | 23.7% |
| St. Johns County | 86 | 51 | $12m | 19.3% |
| Charlotte County | 77 | 51 | $12m | 8.3% |
| Manatee County | 92 | 46 | $15m | 23.8% |
| Collier County | 77 | 41 | $13m | 29.6% |
| Lake County | 75 | 38 | $8.7m | 19.7% |
| Hernando County | 51 | 35 | $7.4m | 11.1% |
| Marion County | 57 | 29 | $6.0m | 25.5% |
| Flagler County | 52 | 24 | $5.4m | 17.8% |
| Citrus County | 44 | 24 | $5.8m | 10.8% |
| Monroe County | 35 | 20 | $11m | 28.1% |
| Clay County | 39 | 17 | $3.7m | 20.6% |
| Okaloosa County | 26 | 17 | $5.7m | — |
| Escambia County | 29 | 16 | $4.7m | — |
| Bay County | 29 | 12 | $4.4m | 34.6% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did The Loan Store, Inc originate in Florida in 2024?
2,797 loans totalling $794m, from 5,125 applications reported for properties in Florida.
What is The Loan Store, Inc's denial rate in Florida?
20.9% of decided applications in Florida were denied, against 29.0% 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 Florida counties does The Loan Store, Inc lend in most?
By originations: Miami-Dade County (452), Broward County (347), Hillsborough County (194), Palm Beach County (193), Orange County (144).
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 Florida. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.