Powered by MOZAIQ’s Loan Assist platform, TLS scaled to more than $2 billion in monthly originations and became a top-five U.S. wholesale lender.
TUCSON, Arizona, June 11, 2026 – MOZAIQ, a leader in delivering agentic mortgage AI solutions, today announced that its customer, The Loan Store (TLS), has been recognized by Celent as a winner of the 2026 Model Bank Award for Lending Innovation. Celent is a global research and advisory firm for the financial services industry.
What the Celent Model Bank Award Recognizes
Celent’s annual Model Bank Awards recognize best practices in the use of technology across areas critical to success in banking. Nominations are submitted by financial institutions and undergo a rigorous evaluation by Celent analysts. Submissions are judged on three core criteria: (1) demonstrable business benefits of live initiatives; (2) degree of innovation relative to the industry; and (3) technology and implementation excellence.
“The Model Bank Awards recognize how mortgage lenders and banks are leveraging technology—and artificial intelligence in particular—to gain a competitive advantage in a tight market and position themselves to win at scale,” said Craig Focardi, CMB, Principal Analyst for Banking at Celent. “These financial institutions serve as examples of how to implement innovative AI solutions that have a strong, direct impact on business results. The entry from TLS demonstrated exactly that.”
How The Loan Store scaled ~200x with agentic mortgage AI
TLS earned the recognition for its incremental deployment of MOZAIQ’s Loan Assist platform, which applies agentic AI to automate loan setup and drive its income, credit, title, appraisal, and asset analyzers—autonomously extracting and validating data across loan documents and the LOS against configurable business rules.
From $10M to $2B+ in monthly originations
Over the past two years, this AI-driven automation–MOZAIQ’s Loan Assist platform–has helped TLS scale from roughly $10 million to more than $2 billion in monthly originations, reduce its cost per loan by up to 40%, and climb into the top five U.S. wholesale lenders.
“We’re thrilled to have won the Celent Model Bank Award for Lending Innovation,” said Phil Shoemaker, CEO, TLS. “This award validates our strategy of investing in AI-driven innovation to focus on customer service, deliver superior efficiencies, and be the low-cost provider of mortgages in a competitive market. We’d also like to thank our partner MOZAIQ, which has been instrumental in enabling this transformation and setting us on the road to success.”
“Congratulations to the entire team at The Loan Store,” said Francesco Paola, Chief Growth Officer, MOZAIQ. “TLS demonstrates what is possible with agentic mortgage AI—intelligent automation that delivers real business benefits. MOZAIQ is proud to have played a role in what TLS has achieved.”
About The Loan Store, Inc. (TLS)
TLS is a wholesale mortgage lender serving Wholesale Brokers and Non Delegated Correspondent partners exclusively. As a business to business lender, TLS is not consumer facing and originates solely through its loan originator partner network. Licensed in all 50 states, TLS offers a wide range of products from Agency to Non QM. Now ranked among the top five wholesale lenders in the U.S., TLS pairs deep wholesale channel experience with a commitment to efficiency, service, and being the low cost provider in a competitive market. Learn more at www.tlstpo.com. NMLS #1121650.
About MOZAIQ
MOZAIQ is the leader in Agentic Mortgage AI, automating end-to-end loan fulfillment for enterprise mortgage lenders. Founded in 2019 and headquartered in Tucson, Arizona, MOZAIQ blends deep mortgage industry experience with production-grade AI solutions. From loan setup through investor loan delivery, MOZAIQ covers the full lifecycle on one platform: one data layer, one orchestration engine, one integration with the LOS, one partner—a model that aligns its success with its clients’ and delivers business results for the nation’s largest lenders. Learn more at mozaiq.ai.
Media Contacts
MOZAIQ
Francesco Paola
Chief Growth Officer
The Loan Store
Brenda Phillips
Director of Marketing & Communications
