# MORTGAGE EXPRESS, LLC

> **Canonical URL:** https://saferate.com/lenders/mortgage-express


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


MORTGAGE EXPRESS, LLC is a independent mortgage company, headquartered in PORTLAND, OR, serving borrowers across 5 states, with 1,112 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 78% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493008JECR4UE0WVR04
- **Headquarters:** PORTLAND, OR
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AZ, CA, ID, OR, WA
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 22/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.374%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,899
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,112
- **Dollar Volume:** $470 million
- **Applications Received:** 1,542
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $422,383
- **Average Borrower Income:** $158,193
- **Average Property Value:** $557,491

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 77/100 | 821 | +0.362% | $3,839 | Strong 😀 |
| FHA | 74/100 | 232 | +0.502% | $4,104 | Strong 😀 |
| VA | 69/100 | 53 | -0.175% | $3,908 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 741 loans, Score: 77/100 (Strong)
- Refinance: 80 loans, Score: 60/100 (Sound)

**FHA:**
- Purchase: 214 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 51 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 78/100 | 1,012 | $432M | +0.384% | Strong 😀 |
| Refinance | 61/100 | 100 | $38M | +0.278% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OR | 964 | 2.26% | 95/100 |
| WA | 114 | 0.13% | 66/100 |
| ID | 14 | 0.05% | 42/100 |
| CA | 11 | 0.00% | 36/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Portland | OR-WA | 691 | 92/100 |
| Salem, OR | OR | 88 | 81/100 |
| Corvallis, OR | OR | 63 | 100/100 |
| Medford, OR | OR | 55 | 71/100 |
| Non |  | 48 | 38/100 |
| Albany, OR | OR | 40 | 85/100 |
| Eugene | OR | 32 | 61/100 |
| Bend, OR | OR | 17 | 52/100 |
| Walla Walla, WA | WA | 17 | 56/100 |

## Where This Lender Ranks

MORTGAGE EXPRESS, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Corvallis, OR Mortgage Companies
  - [View Full Rankings](https://saferate.com/corvallis-or/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Corvallis, OR for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/corvallis-or/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Corvallis, OR
  - [View Full Rankings](https://saferate.com/corvallis-or/best-mortgage-lenders)
- 🏆 **#7** in Albany, OR for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/albany-or/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Walla Walla, WA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/walla-walla-wa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Walla Walla, WA for FHA Loans
  - [View Full Rankings](https://saferate.com/walla-walla-wa/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Walla Walla, WA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/walla-walla-wa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#8** in Corvallis, OR for Conventional Loans
  - [View Full Rankings](https://saferate.com/corvallis-or/best-mortgage-lenders/conventional-loans)
- 🏆 **#8** in Albany, OR
  - [View Full Rankings](https://saferate.com/albany-or/best-mortgage-lenders)
- 🏆 **#8** in Albany, OR Mortgage Companies
  - [View Full Rankings](https://saferate.com/albany-or/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in Albany, OR for Conventional Loans
  - [View Full Rankings](https://saferate.com/albany-or/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Walla Walla, WA for Conventional Loans
  - [View Full Rankings](https://saferate.com/walla-walla-wa/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Salem, OR Mortgage Companies
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/mortgage-companies)
- 🏆 **#11** in Medford, OR for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/medford-or/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#11** in Medford, OR for FHA Loans
  - [View Full Rankings](https://saferate.com/medford-or/best-mortgage-lenders/fha-loans)
- 🏆 **#11** in Medford, OR for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/medford-or/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Eugene Mortgage Companies
  - [View Full Rankings](https://saferate.com/eugene/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Salem, OR for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#12** in Medford, OR Mortgage Companies
  - [View Full Rankings](https://saferate.com/medford-or/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Eugene for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/eugene/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does MORTGAGE EXPRESS, LLC offer?

MORTGAGE EXPRESS, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MORTGAGE EXPRESS, LLC offer mortgages?

MORTGAGE EXPRESS, LLC offers mortgages in 5 states: AZ, CA, ID, OR, WA.

### How competitive are MORTGAGE EXPRESS, LLC's mortgage rates?

MORTGAGE EXPRESS, LLC has a pricing score of 22/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.374% above market average.

### What type of lender is MORTGAGE EXPRESS, LLC?

MORTGAGE EXPRESS, LLC is a non-depository lender that specializes in mortgage origination, headquartered in PORTLAND, OR.

### What is MORTGAGE EXPRESS, LLC's loan approval success rate?

MORTGAGE EXPRESS, LLC has a pull-through score of 69/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/mortgage-express

### How to Cite

> "MORTGAGE EXPRESS, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mortgage-express

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