# THE LOAN STORE, INC. > **Canonical URL:** https://saferate.com/lenders/the-loan-store > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible THE LOAN STORE, INC. is a independent mortgage company, headquartered in CAMDEN, DE, serving borrowers nationwide, with 16,835 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 60% of lenders for competitive rates - **Approval Rate:** Ranks in the top 23% for loan approval success ## Overview - **Institution Type:** Independent Mortgage Company - **LEI (Legal Entity Identifier):** 254900DTLHVWQ7NP7R34 - **Headquarters:** CAMDEN, DE - **Geographic Reach:** National - **States Served:** 46 - **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY - **Markets (MSAs):** 50 - **Primary Channel:** wholesale - **Direct Origination:** 0% - **Brokered/Wholesale:** 100% ## Safe Rate Ratings ### Pricing: Acceptable πŸ™‚ - Score: 40/100 - Rating: ●●○○○ (2/5) ### Pull Through: Strong πŸ˜€ - Score: 77/100 - Rating: ●●●●○ (4/5) ### Pricing Details - **Average Rate Spread:** +0.284% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $2,398 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 16,835 - **Dollar Volume:** $7.0 billion - **Applications Received:** 24,072 - **Market Share:** 47.00% ## Typical Borrower Profile - **Average Loan Amount:** $413,767 - **Average Borrower Income:** $215,166 - **Average Property Value:** $557,565 ## Safe Rate Awards πŸ† - ⭐ **Conventional Gold Superstar** (62%) - ⭐ **FHA Gold Superstar** (70%) - ⭐ **VA Gold Superstar** (70%) - ⭐ **Jumbo Gold Superstar** (62%) - ⭐ **Purchase Gold Superstar** (70%) - ⭐ **Refinance Gold Superstar** (62%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 88/100 | 13,498 | +0.303% | $2,342 | Exceptional 🀩 | | FHA | 86/100 | 2,099 | +0.410% | $2,823 | Exceptional 🀩 | | VA | 84/100 | 862 | -0.394% | $2,156 | Exceptional 🀩 | | Jumbo | 84/100 | 346 | +0.755% | $1,930 | Exceptional 🀩 | | USDA | 54/100 | 30 | +0.184% | $2,515 | Sound ☺️ | ### Product Performance by Purpose **Conventional:** - Purchase: 11,188 loans, Score: 88/100 (Exceptional) - Refinance: 2,310 loans, Score: 81/100 (Exceptional) **FHA:** - Purchase: 1,856 loans, Score: 86/100 (Exceptional) - Refinance: 243 loans, Score: 82/100 (Exceptional) **VA:** - Purchase: 818 loans, Score: 84/100 (Exceptional) - Refinance: 44 loans, Score: 52/100 (Sound) **Jumbo:** - Purchase: 268 loans, Score: 84/100 (Exceptional) - Refinance: 78 loans, Score: 84/100 (Exceptional) **USDA:** - Purchase: 30 loans, Score: 53/100 (Sound) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 88/100 | 14,160 | $5.9B | +0.296% | Exceptional 🀩 | | Refinance | 80/100 | 2,675 | $1.1B | +0.207% | Exceptional 🀩 | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | CA | 3,591 | 1.26% | 85/100 | | TX | 1,555 | 0.44% | 79/100 | | FL | 1,516 | 0.52% | 77/100 | | AZ | 1,080 | 1.09% | 81/100 | | UT | 991 | 2.20% | 83/100 | | IL | 963 | 0.77% | 80/100 | | CO | 844 | 1.01% | 79/100 | | MI | 573 | 0.51% | 72/100 | | WA | 547 | 0.64% | 77/100 | | OR | 515 | 1.21% | 79/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Non | | 1,120 | 74/100 | | Chicago | IL | 717 | 80/100 | | Sacramento | CA | 701 | 83/100 | | Phoenix | AZ | 694 | 78/100 | | Riverside | CA | 547 | 78/100 | | Houston | TX | 532 | 76/100 | | Denver | CO | 493 | 77/100 | | Dallas | TX | 417 | 75/100 | | Los Angeles | CA | 408 | 75/100 | | Salt Lake City | UT | 335 | 79/100 | | San Diego | CA | 335 | 75/100 | | Las Vegas | NV | 284 | 76/100 | | Portland | OR-WA | 276 | 73/100 | | Atlanta | GA | 274 | 70/100 | | Warren | MI | 265 | 70/100 | ## Where This Lender Ranks THE LOAN STORE, INC. appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯‰ **#3** in Bend, OR for FHA Loans - [View Full Rankings](https://saferate.com/bend-or/best-mortgage-lenders/fha-loans) - πŸ₯‰ **#3** in Bend, OR for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/bend-or/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ₯‰ **#3** in Alaska for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/alaska/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ₯‰ **#3** in Anchorage, AK for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/anchorage-ak/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ₯‰ **#3** in Santa Rosa for FHA Loans - [View Full Rankings](https://saferate.com/santa-rosa/best-mortgage-lenders/fha-loans) - πŸ₯‰ **#3** in Santa Rosa for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/santa-rosa/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ₯‰ **#3** in Logan, UT for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#4** in Sacramento for FHA Loans - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/fha-loans) - πŸ† **#4** in Sacramento for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#4** in Alaska for FHA Loans - [View Full Rankings](https://saferate.com/alaska/best-mortgage-lenders/fha-loans) - πŸ† **#4** in Detroit for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#4** in Anchorage, AK for FHA Loans - [View Full Rankings](https://saferate.com/anchorage-ak/best-mortgage-lenders/fha-loans) - πŸ† **#4** in St. George, UT for Jumbo Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/mortgage-companies/jumbo-loans) - πŸ† **#4** in Vallejo, CA for FHA Loans - [View Full Rankings](https://saferate.com/vallejo-ca/best-mortgage-lenders/fha-loans) - πŸ† **#4** in Vallejo, CA for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/vallejo-ca/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#4** in Logan, UT for FHA Loans - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders/fha-loans) - πŸ† **#4** in Redding, CA for VA Loans - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/va-loans) - πŸ† **#4** in Redding, CA for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#4** in Fairbanks for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/fairbanks/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#5** in Logan, UT for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders/mortgage-companies/conventional-loans) ## Frequently Asked Questions ### What loan types does THE LOAN STORE, INC. offer? THE LOAN STORE, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does THE LOAN STORE, INC. offer mortgages? THE LOAN STORE, INC. is a national lender offering mortgages in all 50 states plus Washington D.C. ### How competitive are THE LOAN STORE, INC.'s mortgage rates? THE LOAN STORE, INC. has a pricing score of 40/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.284% above market average. ### What type of lender is THE LOAN STORE, INC.? THE LOAN STORE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in CAMDEN, DE. ### What is THE LOAN STORE, INC.'s loan approval success rate? THE LOAN STORE, INC. has a pull-through score of 77/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/the-loan-store ### How to Cite > "THE LOAN STORE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-loan-store --- **[View Interactive Profile β†’](https://saferate.com/lenders/the-loan-store)**