What loan types does The Loan Store offer?

The Loan Store offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does The Loan Store offer mortgages?

The Loan Store is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are The Loan Store's mortgage rates?

The Loan Store has an overall pricing score of 39.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is The Loan Store?

The Loan Store is a Independent Mortgage Company headquartered in CAMDEN, DE.

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The Loan Store

Independent Mortgage Company•Camden, DEHQ•Wholesale•Reviews near you on Google

The Loan Store's 16.8k closed loans and 24k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance
High volume lender with significant market experience
Particularly strong in Conventional and FHA and VA and Jumbo loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

The Loan Store performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+28.4 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Exceptional

Top 20% of lenders

USDA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Exceptional

Top 20% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Acceptable	Strong	13,498	80.2%	+0.303%Above	$2,342Fees
FHA Loans	Strong	Exceptional	Sound	Strong	2,099	12.5%	+0.410%Above	$2,823Fees
VA Loans	Strong	Exceptional	Sound	Strong	862	5.1%	-0.394%Below	$2,156Fees
Jumbo Loans	Sound	Exceptional	Acceptable	Strong	346	2.1%	+0.755%Above	$1,930Fees
USDA Loans	Acceptable	Sound	—	Acceptable	30	0.2%	+0.184%Above	$2,515Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume13,498

Mix80.2%

Spread

+0.303%Above

Fees

$2,342Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume2,099

Mix12.5%

Spread

+0.410%Above

Fees

$2,823Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume862

Mix5.1%

Spread

-0.394%Below

Fees

$2,156Fees

Jumbo Loans

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume346

Mix2.1%

Spread

+0.755%Above

Fees

$1,930Fees

USDA Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume30

Mix0.2%

Spread

+0.184%Above

Fees

$2,515Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Sound	Strong	14,160	84.1%	+0.296%Above	$2,436Fees
Refinance	Sound	Exceptional	Acceptable	Strong	2,675	15.9%	+0.207%Above	$2,172Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume14,160

Mix84.1%

Spread

+0.296%Above

Fees

$2,436Fees

Refinance

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume2,675

Mix15.9%

Spread

+0.207%Above

Fees

$2,172Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

16,835

Applications

24,072

Volume

$6 billion

Pricing & Closing

Avg Rate Spread

+0.284%

vs. market APOR

Avg Net Fees

$2,398

Origination − Credits

Pullthrough Rate

69.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$413,767

Avg Borrower Income

$215,166

Avg Property Value

$557,565

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast5

CTMENHNJPA

Midwest11

IAILINKSMIMNMONEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Ian Poellet · CC BY-SA 3.0

Bend, ORMetro

Volume 220Mix 1.31% of portfolio

99/100

Exceptional

2© Quintin Soloviev · CC BY 4.0

Sacramento, CAMetro

Volume 701Mix 4.16% of portfolio

83/100

Exceptional

3© Richie Diesterheft from Chicago, IL, USA · CC BY 2.0

Lake County, ILMetro

Volume 158Mix 0.94% of portfolio

83/100

Exceptional

Chicago, ILMetro

Volume 717Mix 4.26% of portfolio

80/100

Strong

Salt Lake City, UTMetro

Volume 335Mix 1.99% of portfolio

79/100

Strong

Phoenix, AZMetro

Volume 694Mix 4.12% of portfolio

78/100

Strong

Riverside, CAMetro

Volume 547Mix 3.25% of portfolio

78/100

Strong

St. George, UTMetro

Volume 115Mix 0.68% of portfolio

77/100

Strong

Denver, COMetro

Volume 493Mix 2.93% of portfolio

77/100

Strong

Spartanburg, SCMetro

Volume 108Mix 0.64% of portfolio

76/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

CaliforniaState

Volume 3,591Mix 21.33% of portfolio

85/100

Exceptional

UtahState

Volume 991Mix 5.89% of portfolio

83/100

Exceptional

ArizonaState

Volume 1,080Mix 6.42% of portfolio

81/100

Exceptional

IllinoisState

Volume 963Mix 5.72% of portfolio

80/100

Exceptional

OregonState

Volume 515Mix 3.06% of portfolio

79/100

Strong

TexasState

Volume 1,555Mix 9.24% of portfolio

79/100

Strong

ColoradoState

Volume 844Mix 5.01% of portfolio

79/100

Strong

FloridaState

Volume 1,516Mix 9.01% of portfolio

77/100

Strong

WashingtonState

Volume 547Mix 3.25% of portfolio

77/100

Strong

NevadaState

Volume 345Mix 2.05% of portfolio

77/100

Strong

Showing 10 of 43 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.