The Loan Store
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
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
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
13,498 loans · 0.30% above market
Exceptional
Top 20% of lenders
5/5
FHA
2,099 loans · 0.41% above market
Exceptional
Top 20% of lenders
5/5
VA
862 loans · 0.39% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
346 loans · 0.76% above market
Exceptional
Top 20% of lenders
5/5
USDA
30 loans · 0.18% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
14,160 loans · 0.30% above market
Exceptional
Top 20% of lenders
5/5
Refinance
2,675 loans · 0.21% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 13,498 | 80.2% | +0.303%Above | $2,342Fees | ||||
FHA Loans | 2,099 | 12.5% | +0.410%Above | $2,823Fees | ||||
VA Loans | 862 | 5.1% | -0.394%Below | $2,156Fees | ||||
Jumbo Loans | 346 | 2.1% | +0.755%Above | $1,930Fees | ||||
USDA Loans | — | 30 | 0.2% | +0.184%Above | $2,515Fees |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume13,498
Mix80.2%
Spread
+0.303%Above
Fees
$2,342Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,099
Mix12.5%
Spread
+0.410%Above
Fees
$2,823Fees
VA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume862
Mix5.1%
Spread
-0.394%Below
Fees
$2,156Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume346
Mix2.1%
Spread
+0.755%Above
Fees
$1,930Fees
USDA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
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 | 14,160 | 84.1% | +0.296%Above | $2,436Fees | ||||
Refinance | 2,675 | 15.9% | +0.207%Above | $2,172Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume14,160
Mix84.1%
Spread
+0.296%Above
Fees
$2,436Fees
Refinance
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
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
49
markets with activity
States Served
46
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
46Full-year 2024 · HMDALoans originated
< 5050–100100–200200–500500+None
Northeast5
CTMENHNJPA
Midwest11
IAILINKSMIMNMONEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 43 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.