THE LOAN STORE, INC.

40,038 mortgages originated in 2025 across 40 states, and what they cost borrowers.

Loans originated

40,038

Median rate

6.875%

Median lender fees

$6,895

Median loan amount

$315,000

Median spread over APOR

0.413

Paid discount points

35.5%

Received lender credits

40.5%

Purchases / refinances

63.1% / 19.6%

Conventional / FHA / VA

90.3% / 7.2% / 2.3%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 75.7% of loans here — see methodology.

Where THE LOAN STORE, INC. lent

States with at least 50 loans in 2025, ranked by volume.