Lenders › The Loan Store, Inc › Utah
The Loan Store, Inc in Utah
HMDA record for properties in Utah, calendar year 2024. National record · Utah 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.
In Utah, The Loan Store, Inc reported 1,709 applications and 1,143 originations for 2024, $459m in all.
Its denial rate in the state was 8.3%, below the Utah rate of 20.5% across all lenders and compared with the lender's national rate of 13.9%.
The median rate spread on its Utah originations was 0.2 percentage points (state median 0.4).
Applications in the state were up 473% on 2023.
Compared with the state and the lender's national record
| Measure | In Utah | Utah, all lenders | The Loan Store, Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 8.3% | 20.5% | 13.9% | 24.3% |
| Median rate spread, pp | 0.2 | 0.4 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 12.1% | 14.2% | 28.3% | 15.6% |
| Average originated loan | $402k | $343k | $342k | $329k |
| Home purchase share | 74.9% | 49.0% | 63.9% | 57.0% |
| FHA-insured share | 15.0% | 14.1% | 9.1% | 13.4% |
| VA-guaranteed share | 3.6% | 4.7% | 4.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateUtah, all lenders
Loan purpose and loan type in Utah
By purpose
Home purchase 75% (856)Home improvement 4% (44)Refinancing 15% (173)Cash-out refinancing 0% (3)Other purpose 6% (67)
By type
Conventional 81% (930)FHA 15% (171)VA 4% (41)USDA 0% (1)
Denial reasons as coded
Share of 127 denials in Utah by first denial reason coded (outlined bar: all lenders in the state).
Counties in Utah
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 496 | 325 | $140m | 9.7% |
| Utah County | 368 | 248 | $98m | 7.5% |
| Washington County | 185 | 135 | $59m | 7.8% |
| Davis County | 158 | 104 | $43m | 8.6% |
| Weber County | 122 | 76 | $28m | 9.8% |
| Tooele County | 83 | 63 | $24m | 6.3% |
| Cache County | 66 | 53 | $17m | 3.2% |
| Box Elder County | 38 | 21 | $7.8m | 18.8% |
| Wasatch County | 30 | 21 | $12m | 6.9% |
| Iron County | 33 | 18 | $5.6m | 9.7% |
| Duchesne County | 28 | 16 | $5.4m | 15.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did The Loan Store, Inc originate in Utah in 2024?
1,143 loans totalling $459m, from 1,709 applications reported for properties in Utah.
What is The Loan Store, Inc's denial rate in Utah?
8.3% of decided applications in Utah were denied, against 20.5% 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 Utah counties does The Loan Store, Inc lend in most?
By originations: Salt Lake County (325), Utah County (248), Washington County (135), Davis County (104), Weber County (76).
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 Utah. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.