The Loan Store in California vs the state
11.7%Denial rate-5.77 pts vs state
13.0%Decision denial rate-9.37 pts vs state
65.9%Origination rate+9.72 pts vs state
6.75%Median rate+0.13 pts vs state
0.43Rate spread (pts)+0.15 pts vs state
$165kMedian applicant income
8,432Loans originated
1,490Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,174 | 1,236 | 17.5% | 7.38% | #71 |
| 2024 | 8,696 | 5,326 | 14.4% | 6.99% | #25 |
| 2025 | 12,791 | 8,432 | 11.7% | 6.75% | #15 |
What The Loan Store lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most The Loan Store applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 2,174 | 1,202 | 369 | 17.0% |
| Riverside County | 1,381 | 941 | 141 | 10.2% |
| Sacramento County | 1,266 | 963 | 73 | 5.8% |
| San Diego County | 1,235 | 736 | 175 | 14.2% |
| Orange County | 787 | 482 | 115 | 14.6% |
| San Bernardino County | 787 | 491 | 104 | 13.2% |
| Placer County | 518 | 392 | 32 | 6.2% |
| San Joaquin County | 432 | 302 | 36 | 8.3% |
| Fresno County | 378 | 282 | 31 | 8.2% |
| Kern County | 288 | 194 | 33 | 11.5% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 12,791 applications in 2025, of which 8,432 were originated and 1,490 denied.
11.7% of all applications, or 13.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans The Loan Store originated in California in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are The Loan Store's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology