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THE LOAN STORE, INC.
Independent Mortgage Company|CAMDEN, DE|National
Loans Originated
16,835
Applications
24,072
Volume
$6 billion
Sources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.284%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,398
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
69.9%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
THE LOAN STORE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Exceptional | Market Leader | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | National · 50 metro areas · 46 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$413,767
Average Borrower Income
$215,166
Average Property Value
$557,565
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 13,498 | 80.2% | +0.303% | $2,342 |
FHA Loans | Strong | Exceptional | Sound | Strong | 2,099 | 12.5% | +0.410% | $2,823 |
VA Loans | Strong | Exceptional | Sound | Strong | 862 | 5.1% | -0.394% | $2,156 |
Jumbo Loans | Sound | Exceptional | Acceptable | Strong | 346 | 2.1% | +0.755% | $1,930 |
USDA Loans | Acceptable | Sound | N/A | Acceptable | 30 | 0.2% | +0.184% | $2,515 |
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% | $2,436 |
Refinance | Sound | Exceptional | Acceptable | Strong | 2,675 | 15.9% | +0.207% | $2,172 |
Geographic Coverage
Metro Areas
49
States Served
46
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMDMEMIMNMOMSMTNCNENHNJNMNVOHOKORPASCSDTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Bend, OR, ORMSA
Volume: 220Mix: 1.31%
Place Specialization
Exceptional
2
Sacramento, CAMSA
Volume: 701Mix: 4.16%
Place Specialization
Exceptional
3
Lake County, IL, ILMSA
Volume: 158Mix: 0.94%
Place Specialization
Exceptional
4
Chicago, ILMSA
Volume: 717Mix: 4.26%
Place Specialization
Strong
5
Salt Lake City, UTMSA
Volume: 335Mix: 1.99%
Place Specialization
Strong
6
Phoenix, AZMSA
Volume: 694Mix: 4.12%
Place Specialization
Strong
7
Riverside, CAMSA
Volume: 547Mix: 3.25%
Place Specialization
Strong
8
St. George, UT, UTMSA
Volume: 115Mix: 0.68%
Place Specialization
Strong
9
Denver, COMSA
Volume: 493Mix: 2.93%
Place Specialization
Strong
10
Spartanburg, SC, SCMSA
Volume: 108Mix: 0.64%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 3,591Mix: 21.33%
Place Specialization
Exceptional
2
UTState
Volume: 991Mix: 5.89%
Place Specialization
Exceptional
3
AZState
Volume: 1,080Mix: 6.42%
Place Specialization
Exceptional
4
ILState
Volume: 963Mix: 5.72%
Place Specialization
Exceptional
5
ORState
Volume: 515Mix: 3.06%
Place Specialization
Strong
6
TXState
Volume: 1,555Mix: 9.24%
Place Specialization
Strong
7
COState
Volume: 844Mix: 5.01%
Place Specialization
Strong
8
FLState
Volume: 1,516Mix: 9.01%
Place Specialization
Strong
9
WAState
Volume: 547Mix: 3.25%
Place Specialization
Strong
10
NVState
Volume: 345Mix: 2.05%
Place Specialization
Strong
Showing 10 of 43 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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