TMSF Holdings, Inc. is a financial holding company that, through its wholly owned subsidiary, The Mortgage Store Financial, Inc. (The Mortgage Store), is engaged in nationwide mortgage banking to originate, finance and sell conforming and non-conforming mortgage loans secured by single-family residences. Upon origination, the Company sells its loans on a whole-loan basis for cash to investors that either retain these mortgages for their own portfolio or pool them into mortgage-backed securities offered in the financial markets. Since 1996, TMSF Holdings has been engaged in the origination of Alt-A mortgages for residential borrowers. It expanded its loan programs to include Type-A loans, as well as sub-prime mortgages for borrowers with lower credit ratings. The Company previously operated as Little Creek, Inc. In November 2002, it acquired The Mortgage Store and changed its name to TMSF Holdings, Inc.