Applications / Mortgage Analytics / Lenders / California / The Loan Store
San Francisco, CA · Independent non-bank lender · CFPB · 40,038 loans in 2025
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40,038
loans originated, 2025
58,895
applications, 2025
51
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Loan Store, a mostly conventional purchase lender, grew its originations 70% to 40,038 in 2025, faster than any similar lender, and gained share in Sacramento-Roseville-Folsom, where it ranked 3 of 574.
Similar lenders are independent non-bank lenders making between half and twice as many loans. Its originations rose 70%, against 20% at similar lenders and 10% for the whole market. It made 4,091 loans in 2023 and 23,548 in 2024, so almost all of its present size was built in two years.
Its share rose to 3.2% from 2.0% in Sacramento-Roseville-Folsom, behind United Wholesale Mortgage and Rocket Mortgage. It rose to 1.7% from 1.0% in Riverside-San Bernardino-Ontario, where it ranked 11 of 707, and to 1.2% from 0.8% in Phoenix-Mesa-Chandler.
Purchases were 63.1% of its loans and conventional loans 90.3% against 62.9%. FHA (insured by the Federal Housing Administration) loans were 7.2% against 21.3%. 18.7% of its loans went to LMI (low- and moderate-income) borrowers against 29.5%, lower than more than nine in ten similar lenders; its small FHA share could account for part of this. 34.4% were in majority-minority areas against 25.9%, higher than most.
Five years before it bought 16,819 loans while originating 2,341. It bought none in 2025 or the year before, against 298 at the typical similar lender, so its reported lending is now all loans it made itself.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Loan Store took 58,895 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.1% · Refinance 19.6% · Other 10.9% · Home improvement 6.4%
Conventional 90.3% · FHA 7.2% · VA 2.3% · USDA (RHS or FSA) 0.2% · of 40,038 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 8,432 | 21.1% |
| Florida | 4,627 | 11.6% |
| Texas | 3,502 | 8.7% |
| Arizona | 2,579 | 6.4% |
| Utah | 1,917 | 4.8% |
| Illinois | 1,746 | 4.4% |
| Colorado | 1,646 | 4.1% |
| Michigan | 1,407 | 3.5% |
| Washington | 1,253 | 3.1% |
| Georgia | 1,055 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 1,762 |
| Sacramento-Roseville-Folsom | 1,582 |
| Riverside-San Bernardino-Ontario | 1,432 |
| Chicago-Naperville-Schaumburg | 1,333 |
| Los Angeles-Long Beach-Glendale | 1,202 |
| Houston-Pasadena-The Woodlands | 1,104 |
| Denver-Aurora-Centennial | 922 |
| Dallas-Plano-Irving | 846 |
| Miami-Miami Beach-Kendall | 812 |
| San Diego-Chula Vista-Carlsbad | 736 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900DTLHVWQ7NP7R34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5023684 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7463676810 |
Established 17 September 2013. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: The Loan Store's data.
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