Carrier profile · USDOT 2578091 · MC-975906 · Updated Jun 13, 2026

THE LENDER ADVANTAGE LLC

DBA LENDER ADVANTAGE

1 power unitavg 5.6 yrLocal · 1 statesBALTIMORE, MD72/100

CARRIER ACTIVEMC-975906 ACTIVE

Observed fleet · trailing 24 mo daily

1Power units

5 observed · MCS-150

—Trailers seen

None observed · 24 mo

5.6Avg age (yr)

2017–2023 · vPIC

Call dispatch(888) 311-7002 Email dispatchHELP@THELENDERADVANTAGE.COM

Click to see how we scored it

Load decision · FMCSA snapshot · Jun 13, 2026

Review before loading

Operating, but with flags a broker should weigh before tendering freight.

Active operating authorityInsurance on fileVehicle out-of-service rate well above average

Watch · 3

Vehicle out-of-service rate well above average80.0% of vehicle inspections were placed out of service vs the 22.26% national average.Driver out-of-service rate above average10.0% vs the 6.7% national average.MCS-150 census data outdatedThe biennial MCS-150 update is 3.5 years old; fleet/mileage figures may be unreliable.

In good standing · 3

Active operating authorityActive for-hire authority is on file with FMCSA.Insurance on fileBIPD (liability) insurance is on file with FMCSA.Established 11 yearsOperating authority has been on file since 2015.

USDOT registration

yr registered

Active for-hire

Insurance (BIPD)$1M in force

FMCSA L&I

Vehicle OOS · 24-mo80.0%

▲ 22.26% nat'l

Crashes · fatal

Clean · 24 mo

USDOT registration

yr registered

Active for-hire

Insurance (BIPD)$1M in force

FMCSA L&I

Vehicle OOS · 24-mo80.0%

▲ 22.26% nat'l

Crashes · fatal

Clean · 24 mo

Vektor intelligence · beyond the federal recordProprietary signals computed from VIN-decoded inspections & daily FMCSA snapshots

Fleet typeIdentity

Owner-operator

1 power unit. Brokers price each fleet type apart.

Fleet age vs peersNewer

5.6 yr

Model years 2017–2023 · peer benchmark unavailable.

Identity stabilityStable

11 yr unchanged

Same registration since 2015 — no chameleon / reincarnation signal.

Safety

10 inspections · 24 mo · vs national benchmarks

Out-of-service rate· 24-mo cumulative · vs national

Vehicle OOS 80.0%24-mo cumulative

050%nat'l 22.26%

Driver OOS 10.0%24-mo cumulative

030%nat'l 6.67%

Every inspection in the window pooled — 10 vehicle and 10 driver inspections over 24 months.

Vehicle OOS rate· vehicle OOS · vehicle-level inspections · 6-month trailing

85.7% · latest 6-mo window▲ Rising

Share of vehicle-level roadside inspections in each trailing six-month window that resulted in a vehicle out-of-service order. Trending up 5.9 pts across the window. The national vehicle benchmark uses the same metric and is shown on the chart.

Roadside inspection history· 24 charted calendar months · vehicle / driver level · any-OOS overlay

9 inspections in the charted months · busiest month Mar '25 · 2

Vehicle-levelDriver-levelAny OOS

Monthly FMCSA roadside inspections across the 24 charted calendar months. Bars show level-qualified vehicle and driver populations; one inspection can qualify for both. The line shows inspections with any out-of-service result.

Inspection coverage· expected vs observed · the fraud signal

Inspection coverage

How heavily FMCSA inspects this fleet for its size — it tells you how much to trust the safety signals above. Thin coverage on a young authority is a fraud signal nobody else surfaces.

Heavily inspected

Under-inspected

Expected

Well-monitored

Heavily inspected

≈5.0 / unit·yr

thin signalabundant signal

Among the more heavily-inspected carriers for its size — abundant roadside signal. Coverage isn't the question here; the out-of-service and crash record is.

Registered power units: 1
Inspections · 24 mo: 10
Annualized: ≈5 / yr
Coverage: ≈5.0 inspections / unit · yr

Violation themes· decoded · grouped by BASIC

What this carrier actually gets cited for — FMCSA violation codes decoded into plain English, ranked by frequency.

393.17 Lamps/reflectors on projecting loadsVehicle Maintenance12 · 10 OOS
393.71 Coupling / towing devicesVehicle Maintenance7 · 7 OOS
393.128 Parts & accessories (vehicle condition)Vehicle Maintenance6 · 6 OOS
393.9 Inoperative required lampsVehicle Maintenance4 · 1 OOS
396.17 Periodic (annual) inspectionVehicle Maintenance3 · 0 OOS
392.2 State/local traffic law violation (speeding, etc.)Unsafe Driving2 · 0 OOS
393.11 Required lamps/reflectors missingVehicle Maintenance1 · 1 OOS
393.95 Emergency equipment (extinguisher, triangles)Vehicle Maintenance1 · 0 OOS
391.41 No / expired medical certificateDriver Fitness1 · 0 OOS

Explore full safety record — inspections, BASICs, crashes

Authority & insurance

Can they legally + adequately haul your load?

Operating authority· 49 CFR · per type

Operating authority

Common: Active
Contract: None
Broker: None

Insurance & bonds

BIPD / liability$1,000,000 in force

Cargo filing (census)Not recorded per census

Surety bond (census)Not recorded per census

Insurance adequacy· filed BIPD vs the $750K federal floor

$1M in forcegeneral-freight federal minimum

$750K floor

Filed BIPD coverage of $1M meets or exceeds the $750K federal minimum for general freight (49 CFR 387.9). Some commodities (hazmat, larger vehicles) require $1M–$5M — confirm against your load.

Insurance continuity· insurer · policy · lapses

$300K BIPD last filed ’25 · 6 insurers · 0 lapsesInsurer churn

Agency Maryland’17–’19

Clear Blue’19–’22

Wesco’22–’24

Cumis Society’24–now

2016201920222025now

Shorter eras are too brief to label at this scale — all 6 insurers are named in the list below.

BIPD in force — $1,000,000 · CUMIS INSURANCE SOCIETY INC · since Sep 2025

All 6 insurer eras · dates, limits, renewals

Insurer	Period	Limit	Renewals
CUMIS INSURANCE SOCIETY INC	Sep 2024 → Sep 2025	$300K	1
WESCO INSURANCE COMPANY	Sep 2022 → Sep 2024	$300K	2
ROCK RIDGE INSURANCE COMPANY	Mar 2022 → Sep 2022	$300K	1
CLEAR BLUE INSURANCE COMPANY	Mar 2019 → Mar 2022	$300K	3
AGENCY INSURANCE COMPANY OF MARYLAND, INC	Mar 2017 → Mar 2019	$300K	4
AMERICAN SOUTHERN HOME INSURANCE COMPANY	Jun 2016 → Mar 2017	$300K	1

Explore full authority & insurance record

Equipment & fleet

VIN-decoded · NHTSA vPIC

Capacity· power units = haulable capacity; trailers are towed

Registered power units (MCS-150): 1
Observed power (24 mo): 5
Trailers (towed): 0

Capacity is power units only — trailers are towed equipment and are never summed into a fleet-size figure.

Fleet age· model years · decoded VINs

5.6 yr

Average age

2023

Newest model yr

2017

Oldest model yr

60.0%

VINs decoded

Explore full fleet — VIN roster, equipment mix, age distribution

Operations & lanes

Revealed by inspection density across 1 states · 24 mo

Operating footprint· revealed by roadside-inspection geography

Operating radiusLocal

revealed

States observed

US states

Inspections · 24 mo

MD busiest

Inspection density by state· each tile = a state · shade = inspections, last 24 mo

Home base

BALTIMORE, MD

5720 REISTERSTOWN RD

Top corridor

MD 10

Density

fewermore

Shade = roadside inspections, last 24 mo.

See the full operating map — state density, top lanes

Network & fraud

Affiliated entities & reincarnation signals · for review, not a verdict

No shared-identity links detected — no reincarnation flag, shared trucks, registration domain, or officer overlap with other carriers.

Capacity consistency· registered vs roadside-observed power units

Registered (MCS-150)

Observed (24 mo)

Roadside-observed power units materially exceed the registered MCS-150 fleet — confirm the carrier is operating within its filed capacity.

Explore the carrier network & VIN cross-links

Identity & contact

FMCSA census + L&I dossier

Location

Physical address: 5720 REISTERSTOWN RD, BALTIMORE, MD, 21215
Mailing address: 5720 REISTERSTOWN ROAD, BALTIMORE, MD, 21215
Operation: Intrastate (Non-Hazmat)

Contact

Phone: (888) 311-7002
Email: help@thelenderadvantage.com
Web domain: thelenderadvantage.com

Registration

Officers: Troy Berman · Drew Berman
USDOT / docket: 2578091 · MC-975906
First registered: Feb 5, 2015
Last MCS-150: Jan 31, 2023 · 40,000 mi (2019)
FMCSA safety rating: Not rated
D-U-N-S: —

Fleet (self-reported · MCS-150)

Power units

Drivers

CDL drivers

40,000

Annual mileage

Open the full identity & federal record

Federal activity

Daily-captured FMCSA licensing & insurance changes — monitored by Vektor

Federal record activity· monitored daily by Vektor

No licensing or insurance changes captured since Vektor began monitoring this carrier (June 2026). Quiet is usually good.

Open the full federal-record activity feed

Reviews

Verified broker, shipper & driver reviews — moderated

Performance ratings only — never the Vektor risk score

No verified reviews yet

Be the first broker or shipper to rate THE LENDER ADVANTAGE LLC. Reviews cover performance only — on-time delivery, payment speed, communication — and never affect the Vektor risk score.

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Verification summaryAuthority, insurance, safety and identity facts for THE LENDER ADVANTAGE LLC.

THE LENDER ADVANTAGE LLC (USDOT 2578091) has a Vektor safety score of 72/100 and a Review before loading verdict, from the carrier's FMCSA record refreshed Jun 13, 2026.

The carrier holds active common for-hire operating authority per FMCSA L&I as of Jun 13, 2026.

It has an active BIPD insurance filing with a $1,000,000 limit in force from CUMIS INSURANCE SOCIETY INC effective Sep 1, 2025 in FMCSA L&I's current snapshot as of Jun 13, 2026.

Its vehicle out-of-service rate was 80.0% over the last 24 months, versus the 22.26% CVSA national average, from FMCSA roadside-inspection data refreshed Jun 13, 2026.

The carrier received 10 roadside inspections in the last 24 months — 10 vehicle-level and 10 driver-level — across 1 state, according to FMCSA roadside-inspection data refreshed Jun 13, 2026.

The carrier has 0 reportable crashes in the last 24 months and 0 fatal crashes across the full FMCSA crash record available as of Jun 13, 2026.

It reports 1 power unit and 1 driver in its most recent MCS-150 filing dated Jan 31, 2023.

It has no FMCSA-assigned safety rating in the federal record refreshed Jun 13, 2026.

Frequently asked

What is THE LENDER ADVANTAGE LLC's USDOT number?

THE LENDER ADVANTAGE LLC's USDOT number is 2578091, and its motor carrier number is MC-975906.

Is THE LENDER ADVANTAGE LLC authorized to operate?

As of Jun 13, 2026, THE LENDER ADVANTAGE LLC is active in the FMCSA register with common, contract, broker operating authority on file.

What is THE LENDER ADVANTAGE LLC's safety record?

THE LENDER ADVANTAGE LLC has a 80.0% vehicle out-of-service rate (national average 22.26%) across 16 roadside inspections, with 0 reportable crashes in the last 24 months, and is not currently rated by FMCSA. Vektor's computed risk score is 72/100 (tier: review).