# Mortgage Research Center, LLC

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


> **📋 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 Research Center, LLC is a independent mortgage company, headquartered in SAINT LOUIS, MO, serving borrowers nationwide, with 60,588 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 66% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300DD5QQUHO6PCH70
- **Headquarters:** SAINT LOUIS, MO
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.540%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,956
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 60,588
- **Dollar Volume:** $19.2 billion
- **Applications Received:** 120,116
- **Market Share:** 170.00%

## Typical Borrower Profile

- **Average Loan Amount:** $316,874
- **Average Borrower Income:** $107,147
- **Average Property Value:** $337,094

## Safe Rate Awards 🏆

- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 80/100 | 2,886 | +0.540% | $1,956 | Strong 😀 |
| FHA | 85/100 | 2,002 | - | - | Exceptional 🤩 |
| VA | 100/100 | 55,571 | - | - | Exceptional 🤩 |
| USDA | 85/100 | 129 | - | - | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,612 loans, Score: 79/100 (Strong)
- Refinance: 274 loans, Score: 61/100 (Strong)

**FHA:**
- Purchase: 1,967 loans, Score: 86/100 (Exceptional)
- Refinance: 35 loans, Score: 48/100 (Sound)

**VA:**
- Purchase: 53,300 loans, Score: 100/100 (Exceptional)
- Refinance: 2,271 loans, Score: 94/100 (Exceptional)

**USDA:**
- Purchase: 129 loans, Score: 86/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 96/100 | 58,008 | $18.4B | +0.549% | Exceptional 🤩 |
| Refinance | 79/100 | 2,580 | $783M | +0.468% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 5,495 | 1.57% | 88/100 |
| FL | 4,175 | 1.43% | 84/100 |
| NC | 3,470 | 2.34% | 86/100 |
| GA | 3,330 | 2.41% | 89/100 |
| VA | 3,201 | 2.97% | 93/100 |
| OH | 2,573 | 1.91% | 85/100 |
| TN | 2,392 | 2.63% | 89/100 |
| IL | 2,244 | 1.80% | 86/100 |
| MO | 2,112 | 2.82% | 84/100 |
| PA | 1,917 | 1.58% | 85/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 12,427 | 94/100 |
| Virginia Beach | VA-NC | 1,835 | 96/100 |
| St. Louis, MO | MO-IL | 923 | 86/100 |
| Clarksville, TN | TN-KY | 874 | 100/100 |
| Houston | TX | 865 | 79/100 |
| Atlanta | GA | 827 | 80/100 |
| Fayetteville, NC | NC | 786 | 100/100 |
| San Antonio | TX | 744 | 80/100 |
| Chicago | IL | 637 | 76/100 |
| Killeen | TX | 603 | 93/100 |
| Jacksonville, FL | FL | 592 | 83/100 |
| Oklahoma City, OK | OK | 548 | 85/100 |
| Arlington | VA-WV | 533 | 79/100 |
| Tampa, FL | FL | 530 | 79/100 |
| Kansas City, MO | MO-KS | 525 | 76/100 |

## Where This Lender Ranks

Mortgage Research Center, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Fond du Lac, WI for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in Sheboygan, WI for VA Loans
  - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Sheboygan, WI for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in Harrisonburg, VA for VA Loans
  - [View Full Rankings](https://saferate.com/harrisonburg-va/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Harrisonburg, VA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/harrisonburg-va/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in Amherst Town for VA Loans
  - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Amherst Town for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Fairbanks Mortgage Companies
  - [View Full Rankings](https://saferate.com/fairbanks/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Paducah, KY for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/paducah-ky/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Altoona, PA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/altoona-pa/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Fond du Lac, WI for VA Loans
  - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Wheeling, WV for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/wheeling-wv/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Decatur, IL for VA Loans
  - [View Full Rankings](https://saferate.com/decatur-il/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Decatur, IL for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/decatur-il/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Waterloo for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Lima, OH for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Weirton for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/weirton/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Grand Island, NE for VA Loans
  - [View Full Rankings](https://saferate.com/grand-island-ne/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Grand Island, NE for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grand-island-ne/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Lawrence, KS for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does Mortgage Research Center, LLC offer?

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

### Where does Mortgage Research Center, LLC offer mortgages?

Mortgage Research Center, LLC is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Mortgage Research Center, LLC's mortgage rates?

Mortgage Research Center, LLC has a pricing score of 34/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.540% above market average.

### What type of lender is Mortgage Research Center, LLC?

Mortgage Research Center, LLC is a non-depository lender that specializes in mortgage origination, headquartered in SAINT LOUIS, MO.

### What is Mortgage Research Center, LLC's loan approval success rate?

Mortgage Research Center, LLC has a pull-through score of 70/100 (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-research-center

### How to Cite

> "Mortgage Research Center, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mortgage-research-center

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