Lenders › The Loan Store, Inc › Texas
The Loan Store, Inc in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas 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 Texas covers 3,144 applications, 1,891 of them originated, worth $619m.
Its denial rate in the state was 14.5%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 13.9%.
The median rate spread on its Texas originations was 0.4 percentage points (state median 0.2).
Applications in the state were up 275% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | The Loan Store, Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 14.5% | 26.0% | 13.9% | 24.3% |
| Median rate spread, pp | 0.4 | 0.2 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.1% | 11.8% | 28.3% | 15.6% |
| Average originated loan | $327k | $350k | $342k | $329k |
| Home purchase share | 77.1% | 72.8% | 63.9% | 57.0% |
| FHA-insured share | 14.8% | 19.8% | 9.1% | 13.4% |
| VA-guaranteed share | 4.2% | 10.4% | 4.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 77% (1,458)Home improvement 3% (63)Refinancing 13% (254)Cash-out refinancing 0% (6)Other purpose 6% (107)
By type
Conventional 81% (1,529)FHA 15% (280)VA 4% (79)USDA 0% (3)
Denial reasons as coded
Share of 408 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Harris County | 561 | 317 | $96m | 18.7% |
| Collin County | 301 | 190 | $76m | 10.5% |
| Tarrant County | 285 | 169 | $52m | 15.8% |
| Denton County | 230 | 144 | $53m | 9.8% |
| Fort Bend County | 213 | 125 | $43m | 17.2% |
| Dallas County | 205 | 113 | $37m | 15.2% |
| Williamson County | 127 | 83 | $28m | 7.3% |
| Travis County | 124 | 82 | $38m | 10.1% |
| Montgomery County | 119 | 74 | $24m | 7.7% |
| Bexar County | 118 | 64 | $15m | 21.7% |
| Brazoria County | 76 | 51 | $15m | 11.1% |
| Galveston County | 56 | 40 | $11m | 9.4% |
| El Paso County | 47 | 27 | $5.8m | 16.7% |
| Grayson County | 33 | 23 | $7.6m | 3.3% |
| Hays County | 31 | 21 | $7.3m | 7.7% |
| Brazos County | 29 | 20 | $5.3m | 14.8% |
| Kaufman County | 32 | 19 | $5.6m | 6.9% |
| Webb County | 27 | 19 | $5.9m | 11.1% |
| Hidalgo County | 31 | 17 | $4.7m | — |
| Ellis County | 26 | 16 | $5.3m | 20.0% |
| Bell County | 25 | 10 | $2.6m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did The Loan Store, Inc originate in Texas in 2024?
1,891 loans totalling $619m, from 3,144 applications reported for properties in Texas.
What is The Loan Store, Inc's denial rate in Texas?
14.5% of decided applications in Texas were denied, against 26.0% 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 Texas counties does The Loan Store, Inc lend in most?
By originations: Harris County (317), Collin County (190), Tarrant County (169), Denton County (144), Fort Bend County (125).
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 Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.