# Ethos Lending

> Ethos Lending LLC was a San Francisco mortgage lender and software company founded in 2013. It originated home loans for consumers and through brokers, advertised automated processing and competitive pricing, and reported $5.5 billion in cumulative originations. Its founders later sold the mortgage business; founder Adam Carmel used the lessons from an internal pricing engine to start Polly. The Ethos Lending LLC name became The Loan Store LLC in 2019.

- **Founded:** 2013
- **Headquarters:** San Francisco, United States
- **Founders:** Adam Carmel (Founder and CEO)
- **Products:** Residential mortgage origination, Broker workflow and pricing technology, Agora Lending
- **Notable:** Reported $5.5 billion in mortgage originations since founding., Advertised average closings of 21 days or less for broker partners; this was a company claim, not an independently audited benchmark., Built an internal pricing engine that founder Adam Carmel later identified as a precursor to Polly.

## Products & services

- **Residential mortgage origination** — Direct home lending for borrowers, with broker-facing distribution and processing.
- **Broker workflow and pricing technology** — Internal technology used to automate loan workflows and support pricing and origination decisions.
- **Agora Lending** — A documented trade name used for mortgage lending in some states.

## Achievements

- Reported $5.5 billion in mortgage originations since founding.
- Advertised average closings of 21 days or less for broker partners; this was a company claim, not an independently audited benchmark.
- Built an internal pricing engine that founder Adam Carmel later identified as a precursor to Polly.

## Latest updates

- **2019-07** — State filings show Ethos Lending LLC changed its name to The Loan Store LLC.
- **2025-01** — A Rhode Island filing records conversion of the former Ethos Lending LLC entity into The Loan Store, Inc.

## Links

- LinkedIn: https://www.linkedin.com/company/ethos-lending-llc
- Twitter/X: https://twitter.com/ethoslendingllc

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Profile page: https://yespress.io/ethos-lending
Published by YesPress — https://yespress.io
Last updated: 2026-09-29