What The Loan Store does

The Loan Store, Inc. (NMLS #1121650) is a wholesale mortgage lender headquartered in Tucson, Arizona, founded in 2013, that funds loans exclusively through licensed mortgage brokers and non-delegated lenders — it does not lend directly to consumers. The company operates a lean organization of 51–100 employees, distributed across active U.S. lending states, with an additional branch office in Lahaina, Hawaii (NMLS ID 2504401). In the first nine months of 2025, The Loan Store originated $8.2 billion in wholesale mortgage volume, roughly double its prior-year pace, making it the fourth-largest U.S. wholesale lender by volume. It is affiliated with Ellington Management Group per KBRA transaction documentation, alongside sister entity LendSure Mortgage Corp.

The Loan Store's product suite is anchored by an industry-leading set of Non-QM programs — Flex NQM Income, Flex NQM DSCR, and NQM Flex Equity Income Closed-End Second — supplemented by Wealth Builder, Second Mortgages, Hard Money for Investors, Buy Before You Sell+, and full agency coverage (Conventional, FHA, VA, USDA, Jumbo). On the technology side, the company operates a Streamline Loan Portal (Encompass TPO Connect) for broker pipeline management, deployed Gateless's Smart Underwrite® automated underwriting platform in October 2024, and runs Robotic Process Automation across mortgage operations with reported processing-time reductions exceeding 99% in some workflows. Clear-to-close times are reported as fast as 11 business days, and brokers are supported by dedicated account executives functioning as a single point of contact.

The business model is purely transactional: revenue is generated through loan origination fees and net gain-on-sale economics tied directly to wholesale origination volume, with pricing negotiated through the broker partner portal rather than disclosed publicly. The Loan Store participates in non-prime securitization markets — it and LendSure originated approximately 47% of the $566.7 million EFMT 2026-NQM1 non-prime RMBS pool, rated by KBRA — institutionalizing its access to secondary-market capital. Marketing is concentrated on broker partner recruitment via social channels (LinkedIn, Facebook, Instagram), a dedicated partner/marketing hub, and press media, with no direct-to-consumer distribution.

Name

The Loan Store

Legal name

The Loan Store, Inc.

Website

https://theloanstore.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

51–100 employees

Short description

The Loan Store is a wholesale mortgage lender that funds loans exclusively through licensed mortgage brokers and non-delegated lenders across the United States, specializing in Non-QM products alongside agency, investor, and equity loan programs.

Ownership category

akta.pro rank

Product category

Wholesale Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Wholesale Mortgage Lending (Broker Channel) (FSALACAA)

akta.pro secondary industries

Non-QM & Specialty Wholesale Lending (Bank Statement/DSCR/Alt-Doc) (FSALACAD), Government Wholesale Lending (FHA/VA/USDA) (FSALACAE)

Keywords

• Wholesale mortgage lending
• Non-QM loan programs
• Mortgage broker services
• Residential loan products
• Automated underwriting

Headquarters

HQ city

Tucson

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Loan Origination Fees: The Loan Store generates revenue through loan origination fees charged when mortgage loans are originated and funded. As a wholesale lender, it funds loans for its broker partners and earns income on each closed loan, with revenue tied directly to origination volume.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

The Loan Store is an Arizona-based wholesale mortgage lender that funds and underwrites residential mortgage loans originated through licensed mortgage brokers and non-delegated lenders across the United States. It offers a broad product portfolio including Non-QM programs (Flex NQM Income, Flex NQM DSCR, NQM Flex Equity Income), Conventional, FHA, VA, USDA, Jumbo, Hard Money for Investors, Second Mortgages, Wealth Builder, and Buy Before You Sell+, delivered through a digital partner portal supported by automated underwriting and dedicated account executives.

Product overview

The Loan Store is a national wholesale mortgage lender operating as a unified platform offering exclusively non-delegated wholesale lending for brokers. The product portfolio spans multiple loan programs including Non-QM products (Flex NQM Income, Flex NQM DSCR, NQM Flex Equity Income), standard mortgage products (Conventional, FHA, VA, USDA, Jumbo), investor products (Hard Money, DSCR), equity products (Second Mortgages, Wealth Builder), and specialty programs (Buy Before You Sell+). The platform integrates with Gateless Smart Underwrite for automated underwriting, and includes a proprietary Streamline Loan Portal for broker partners to manage loan pipelines. The company focuses on serving mortgage brokers and non-delegated lenders with fast turn times (as little as 11 business days to close), competitive pricing, and diverse product mix.

Differentiator

Problem solved

Functional benefit

Products and services

• Flex NQM Income Non-Qualified Mortgage program for clients who need flexible options in documenting their income, allowing qualification based on real-world income documentation. Offered exclusively through wholesale broker partners.
• Flex NQM DSCR Non-Qualified Mortgage program for real estate investors qualifying based on the property's Debt Service Coverage Ratio rather than personal income verification. Distributed through wholesale broker partners.
• NQM Flex Equity Income Closed-End Second Flexible income option closed-end second mortgage that lets borrowers tap into home equity with income flexibility. Distributed through wholesale broker partners.
• Wealth Builder Product that gives clients a new way to manage their mortgage and cash flow, enabling wealth building through strategic mortgage management. Offered through wholesale broker partners.
• Second Mortgages Two smart ways to unlock home equity, whether speed is the priority or maximizing flexibility is the goal. Offered through wholesale broker partners.
• Non-QM Loans Flexible, real-world income solutions that qualify more borrowers who may not meet traditional lending requirements. Offered through wholesale broker partners.
• Conventional Loans Reliable, straightforward financing for well-qualified buyers with competitive rates and terms. Offered through wholesale broker partners.
• FHA Loans Federal Housing Administration loan for first-time buyers needing low down payments and easier credit approvals. Offered through wholesale broker partners.
• VA Loans Veterans Affairs loan serving veterans with zero down payment, no mortgage insurance, and competitive rates. Offered through wholesale broker partners.
• USDA Loans United States Department of Agriculture loan to help clients buy in rural areas with zero down payment and flexible income limits. Offered through wholesale broker partners.
• Buy Before You Sell+ Program enabling clients to buy now and sell later, keeping moves smooth and deals flexible. Offered through wholesale broker partners.
• Jumbo Loans Financing for high-value homes with tailored terms and higher loan limits. Offered through wholesale broker partners.
• Hard Money for Investors Fast, flexible funding for investors needing quick closes and unconventional property loans. Offered through wholesale broker partners.
• Streamline Loan Portal Simplified digital portal for loan origination that allows broker partners to manage their pipeline, close loans faster, and scale their business. Accessible via Encompass TPO Connect.

Quantifiable outcome

• Doubled wholesale mortgage origination volume to $8.2 billion in the first nine months of 2025
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability4 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core and minor.

• GatelesscoreTechnology or Integration · 28 October 2024The Loan Store deployed Gateless's Smart Underwrite® platform to automate and streamline its loan underwriting process. The technology analyzes credit, income, asset data, and documents in real-time, reducing manual tasks and expediting loan approvals for The Loan Store's wholesale broker partners. The collaboration helps wholesale loan originators close deals faster with fewer conditions while improving accuracy, compliance, and borrower experience.
• KBRA (Kroll Bond Rating Agency)minorOthersKBRA assigned preliminary ratings to EFMT 2026-NQM1, a $566.7 million non-prime RMBS transaction. KBRA utilized its Residential Asset Loss Model (REALM) and third-party due diligence in rating 15 classes of mortgage pass-through certificates backed by 1,275 residential mortgages, 87.4% of which used alternative income documentation. The Loan Store was among the originators contributing to this pool.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• United Wholesale Mortgage (UWM): The largest U.S. wholesale mortgage lender, focused exclusively on the broker channel. Directly competes with The Loan Store for broker relationships and offers a comparable range of agency and non-QM products.
• Plaza Home Mortgage: Wholesale and correspondent residential mortgage lender with a strong non-QM and jumbo product offering. Competes for the same broker-sourced loan volume.
• Angel Oak Mortgage Solutions: Wholesale lender specializing in non-QM and non-prime residential mortgage products. Highly comparable to The Loan Store's Non-QM franchise and target borrower segments.
• Caliber Wholesale: Wholesale division of Caliber Home Loans, offering a wide product mix including non-QM. A similar mid-to-large wholesale lender competing for broker business.
• Rocket Pro TPO: The wholesale division of Rocket Mortgage, serving independent mortgage brokers. A direct competitor in the broker channel with broad product offerings and significant scale advantages.
• NewRez (Wholesale): Wholesale lending channel of NewRez, offering agency and non-QM products to brokers. Directly comparable in product breadth and broker-focused GTM.
• A&D Mortgage: Wholesale mortgage lender with deep non-QM and investor product expertise. Direct broker-channel competitor in the non-prime and DSCR space.
• LendSure Mortgage Corp. Wholesale non-QM lender and Ellington Management Group affiliate that co-originated most of the EFMT 2026-NQM1 pool with The Loan Store. Closest direct sister peer in origination strategy and capital markets access.

Emerging players

• Kind Lending: Emerging wholesale lender with a strong non-QM focus and tech-driven broker experience. Comparable in product specialization and broker-channel approach, though smaller and earlier-stage.

Broad incumbents

• loanDepot Wholesale: Wholesale channel of loanDepot, a top-10 U.S. mortgage originator. Larger incumbent with broad product offerings, including agency and non-QM, competing for the same broker relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/the.loan.store.inc
• LinkedInlinkedin.com/company/the-loan-store
• Instagraminstagram.com/the_loan_store

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The Loan Store