# THE LOAN STORE, INC.

> **Canonical URL:** https://saferate.com/lenders/the-loan-store

> **📋 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 🙂
- Score: 40/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- 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

## Safe Rate Awards 🏆

- ⭐ **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 |

## 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.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**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

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