Loan Simple, Inc.
Loan Simple, Inc. received 2,907 applications in 2025 and made 1,876 mortgages, in 602 counties across 22 states. The median rate its borrowers got was 6.625% on a median loan of $305,000. Of 2,055 decisions, 179 were denials — 8.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300748YYU6VG08N83 |
|---|---|
| Applications received | 2,907 |
| Mortgages made | 1,876 |
| Denied | 179 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 852 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.822 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,662 | 6.625% | $295,000 | 8.5% |
| Refinancing | 214 | 6.063% | $315,000 | 10.1% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | Not published |
| Other purposes | 0 | Under 10 loans | Under 10 loans | Not published |
Where Loan Simple, Inc. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Adams County, CO | 221 | 6.375% | 4.7% |
| Arapahoe County, CO | 166 | 6.500% | 5.7% |
| Weld County, CO | 117 | 6.375% | 5.7% |
| Denver County, CO | 93 | 6.375% | 8.8% |
| El Paso County, CO | 74 | 6.375% | 8.6% |
| Pueblo County, CO | 50 | 6.375% | 12.3% |
| Jefferson County, CO | 35 | 6.625% | 0.0% |
| Larimer County, CO | 27 | 6.375% | 3.6% |
| Morgan County, CO | 25 | 6.625% | 0.0% |
| Maricopa County, AZ | 23 | 6.750% | 8.0% |
| Douglas County, CO | 17 | 6.625% | 0.0% |
| Harris County, TX | 17 | 6.625% | 0.0% |
| Mesa County, CO | 13 | 6.625% | 23.5% |
| Bernalillo County, NM | 13 | 6.750% | 0.0% |
| Tarrant County, TX | 13 | 6.990% | 7.1% |
| Lee County, FL | 12 | 6.813% | 14.3% |
| Dallas County, TX | 12 | 6.813% | 7.7% |
| Fremont County, CO | 10 | 6.563% | 16.7% |
| Boulder County, CO | 9 | Under 10 loans | 0.0% |
| Broward County, FL | 9 | Under 10 loans | 0.0% |
| Garfield County, CO | 8 | Under 10 loans | 0.0% |
| DeKalb County, GA | 8 | Under 10 loans | 20.0% |
| Lake County, IN | 8 | Under 10 loans | 0.0% |
| Pinal County, AZ | 7 | Under 10 loans | 0.0% |
| Elbert County, CO | 7 | Under 10 loans | 12.5% |
| Polk County, FL | 7 | Under 10 loans | 22.2% |
| Gaston County, NC | 7 | Under 10 loans | 22.2% |
| Lane County, OR | 7 | Under 10 loans | 0.0% |
| Multnomah County, OR | 7 | Under 10 loans | 0.0% |
| Spartanburg County, SC | 7 | Under 10 loans | 22.2% |
| Collin County, TX | 7 | Under 10 loans | 0.0% |
| Spokane County, WA | 7 | Under 10 loans | 0.0% |
| Baldwin County, AL | 6 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 6 | Under 10 loans | 14.3% |
| Johnston County, NC | 6 | Under 10 loans | 14.3% |
| Wake County, NC | 6 | Under 10 loans | 33.3% |
| Berkeley County, SC | 6 | Under 10 loans | 14.3% |
| Fort Bend County, TX | 6 | Under 10 loans | 0.0% |
| Jefferson County, AL | 5 | Under 10 loans | 0.0% |
| Sacramento County, CA | 5 | Under 10 loans | 0.0% |
| Brevard County, FL | 5 | Under 10 loans | 0.0% |
| Fulton County, GA | 5 | Under 10 loans | 16.7% |
| Valencia County, NM | 5 | Under 10 loans | 0.0% |
| Guilford County, NC | 5 | Under 10 loans | 0.0% |
| Harnett County, NC | 5 | Under 10 loans | 0.0% |
| Rutherford County, NC | 5 | Under 10 loans | 0.0% |
| Wayne County, NC | 5 | Under 10 loans | 28.6% |
| Umatilla County, OR | 5 | Under 10 loans | 0.0% |
| Lexington County, SC | 5 | Under 10 loans | 0.0% |
| Hamilton County, TN | 5 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.