The Mortgage Store Co

What The Mortgage Store Co does

The Mortgage Store, Inc. is a privately held mortgage brokerage headquartered at 3808 Sterling Rd, Downers Grove, Illinois, licensed to originate residential and investment property mortgages in Illinois (MB.0006392) and Florida (MBR1858) under NMLS #230046. The firm operates as a multi-channel broker, routing borrower applications through access to over 100 lenders — including major banks and alternative capital providers — to match loan products against individual credit profiles and use cases. Core offerings span conventional fixed-rate (10–30 year) and adjustable-rate (1–10 year) mortgages, FHA and VA government-backed loans, jumbo products (up to $1,209,750 in high-cost areas), HELOCs, and a deep investment-property suite covering Fix & Flip, DSCR, Bridge, Commercial, Construction, SBA, Wholesale Purchase, and Rehab/Renovation loans. Customer segments explicitly named are first-time home buyers, refinance customers, real estate investors, veterans and active military, FHA-eligible borrowers, and jumbo-loan buyers.

The business operates on a commission-based brokerage model, earning lender-paid origination fees on closed loans; transaction sizes range from $50,000 to $50 million, with strong tilt toward investor and specialty financing. GTM is inside-sales-led with a digital top-of-funnel: a website (mortgage-store.com) featuring online application portals (Yoursonar, SecureLoanDocs), a monthly payment calculator, blog content, and free consultation booking via LeadConnectorHQ; mid-funnel is consultation-driven with named advisors (Jeff, Mike); bottom-funnel is direct phone/email and in-person closing. The technology stack is composed of third-party SaaS rather than proprietary IP, and the operating geography is restricted to two U.S. states. The company is small (8 employees), founder/owner-operated with no disclosed external funding, no M&A activity, and no management team bios in the source data. Differentiation rests on lender-network breadth, personalized advisory service, and speed relative to bank mortgage divisions rather than on technology or scale advantages.

Name

The Mortgage Store Co

Legal name

The Mortgage Store, Inc.

Website

https://mortgage-store.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

The Mortgage Store, Inc. is a privately held mortgage brokerage licensed in Illinois and Florida that connects borrowers with over 100 lenders across conventional, government-backed, jumbo, and investment-property loan products, serving first-time buyers, refinancers, and real estate investors through a digital plus inside-sales channel.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industry

Commercial & Multifamily Mortgage Brokers (FSALABAB)

Keywords

• Mortgage brokerage services
• Residential mortgage lending
• Investment property loans
• Refinance and home equity
• Government-backed mortgages

Headquarters

HQ city

Downers Grove

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination and Brokerage: As a mortgage broker, The Mortgage Store Co earns commissions on loans originated through their network of 100+ lenders. They match borrowers with appropriate loan products and earn fees from lenders for placing loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

The Mortgage Store Co is an independent mortgage brokerage that connects individual borrowers and real estate investors with loan products from a network of over 100 lenders. The company originates residential mortgages (fixed-rate, ARMs, FHA, VA, Jumbo, HELOCs), refinances, and real estate investor loans (fix-and-flip, DSCR, bridge, commercial, construction, SBA) on behalf of clients, earning commissions from lenders. Services are delivered through licensed loan officers in Illinois and Florida, combining an online application portal with personalized consultation.

Product overview

The Mortgage Store is a mortgage brokerage platform offering a comprehensive suite of loan products through access to over 100 lenders. The core offering consists of traditional mortgage products including Fixed Rate Mortgages (10, 15, 20, 30-year terms) and Adjustable Rate Mortgages (1, 3, 5, 7, 10-year terms), supplemented by specialized government-backed loans (VA Home Loans and FHA Home Loans). The platform also offers non-conventional financing through Jumbo Loans for high-value properties and Home Equity Lines of Credit. For real estate investors, the company provides a dedicated set of investment loan products including Fix and Flip Loans, DSCR Loans, Bridge Loans, Commercial Loans, Construction Loans, SBA Loans, Wholesale Purchase Loans, and Rehab/Renovation Loans. Additional services include Refinance Services and a Monthly Payment Mortgage Calculator. The company connects borrowers with lenders through online application portals (Yoursonar, SecureLoanDocs) and offers consultation booking via LeadConnectorHQ.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed Rate Mortgages Traditional fixed-rate mortgage products in 30, 20, 15, and 10-year terms with consistent monthly payments and locked interest rates, available to individual homebuyers through the broker's 100+ lender network.
• Adjustable Rate Mortgages (ARMs) Variable-rate mortgages with 1-year, 3-year, 5-year, 7-year, and 10-year initial fixed periods featuring potentially lower initial payments for individual borrowers.
• FHA Home Loans Federal Housing Administration insured loans with down payments as low as 3.5%, low closing costs, and easy credit qualifying on 1-4 unit properties, including options for fixer-uppers, seniors, and manufactured housing.
• VA Home Loans U.S. Department of Veterans Affairs-backed mortgage loans for active duty personnel, veterans, reservists, and National Guardsmen featuring 100% financing, no monthly mortgage insurance, and easier qualification standards.
• Jumbo Loans Non-conforming mortgage loans exceeding Fannie Mae/Freddie Mac limits ($806,500 for single-family homes, $1,209,750 in high-cost areas) for primary residences, vacation homes, and investment properties with fixed and adjustable rate options.
• Home Equity Lines of Credit (HELOCs) Revolving credit lines allowing homeowners to borrow against their home equity with flexible access to funds and interest-only payments on amounts borrowed.
• Refinance Services Mortgage refinancing options to lower interest rates, convert adjustable rates to fixed, extract cash equity, or consolidate debt, sourced through the broker's lender network.
• Investment Property Financing Real estate investment loans for non-owner occupied and multi-family properties, financing individual investors and small partnerships looking to build wealth through property. Transaction sizes range from $50,000 to $50 million.
• Fix and Flip Loans Short-term renovation financing covering up to 90% of purchase price and 100% of rehabilitation budget for real estate investors purchasing and renovating properties for resale.
• DSCR Loans Debt Service Coverage Ratio loans offering up to 85% LTV on purchases and 80% on cash-out refinances for investment properties based on rental income analysis.
• Bridge Loans Fast, temporary financing solutions for real estate investors to bridge gaps while securing permanent funding or seizing time-sensitive opportunities.
• Commercial Loans Financing for commercial properties including office buildings, retail spaces, mixed-use properties, industrial/warehouse facilities, hotels/motels/B&Bs, and mobile home parks.
• Construction Loans Ground-up building and development financing for new construction projects sourced through the broker's lender network.
• SBA Loans Small Business Administration-backed loans for eligible business purposes related to real estate acquisition or expansion.
• Wholesale Purchase Loans Funding tailored for quick acquisition deals for real estate investors seeking to close purchases rapidly.
• Rehab/Renovation Loans Funds to improve or reposition existing properties for increased value or rental income.

Quantifiable outcome

• Access to over 100 trusted lenders for optimal loan matching

Named customers5 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

One partnership is on record.

• 100+ Lenders NetworkcoreChannel Partner/ Reseller/ DistributorThe Mortgage Store works with over 100 trusted lenders as a mortgage broker, accessing a broad network of loan products and rate options for customers. This network includes major banks and alternative lenders, enabling the company to match borrowers with optimal mortgage solutions.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• loanDepot: Major national retail mortgage lender offering purchase, refinance, HELOC, and HELOAN products. Comparable because it serves the same retail consumer base across conventional, government, and jumbo products with a hybrid online-plus-LPC model.
• Caliber Home Loans: Large non-bank mortgage originator with retail and correspondent channels. Comparable in its full product range (conventional, government, jumbo, non-QM) and in competing for both purchase and refinance demand from retail consumers.
• Rocket Mortgage: Largest US mortgage lender and the dominant direct-to-consumer brand. Comparable because it competes for the same purchase and refinance borrower, but operates as a direct lender rather than a broker — representing both a competitor and a lender within The Mortgage Store's 100+ lender network.
• NewRez (formerly New Penn Financial): Top-15 US mortgage originator with retail, wholesale, and servicing platforms. Comparable in its broad product mix and in its mix of government, conventional, and specialty products serving retail consumers and investors.

Direct peers

• Zillow Home Loans: Direct-to-consumer mortgage operation backed by the Zillow real estate marketplace. Comparable because it serves the same purchase-driven borrower funnel and is competing specifically in the digital-first mortgage category The Mortgage Store operates in.
• Movement Mortgage: Retail mortgage lender operating across most US states with purchase, refinance, and renovation products. Comparable in its multi-channel retail model and broad product suite including FHA, VA, and conventional lending.
• Guaranteed Rate: Large retail mortgage lender with a strong direct-to-consumer and joint venture (Affinity) channel. Comparable because it competes in purchase, refinance, FHA, VA, and jumbo with a digitally-enabled but relationship-driven approach — closely mirroring The Mortgage Store's positioning.
• LendingTree: Online mortgage marketplace that aggregates lender offers for consumers. Comparable as a multi-lender shopping platform; it competes for the same borrower-shopping behavior and offers similar network-based matchmaking of borrowers to lenders.
• Veterans United Home Loans: Largest VA-focused mortgage lender in the US. Comparable because The Mortgage Store also offers VA loans as a core specialty product, and Veterans United's niche specialization illustrates a comparable go-to-market lens.

Others

• UWM (United Wholesale Mortgage): Largest US wholesale mortgage lender, serving independent mortgage brokers like The Mortgage Store via the wholesale broker channel. It is a channel partner (one of the 100+ lenders in the network) rather than a direct competitor, but its broker-channel dominance shapes broker economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/the-mortgage-store-co

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Mortgage Store Co