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Mortgage Express

Independent Mortgage Company•Portland, ORHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Mortgage Express — 1.1k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 8 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA loans

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Mortgage Express performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+37.4 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 9 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume821
Mix73.8%
Spread
+0.362%Above
Fees
$3,839Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume232
Mix20.9%
Spread
+0.502%Above
Fees
$4,104Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume53
Mix4.8%
Spread
-0.175%Below
Fees
$3,908Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume1,012
Mix91.0%
Spread
+0.384%Above
Fees
$3,956Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume100
Mix9.0%
Spread
+0.278%Above
Fees
$3,327Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,112
Applications
1,542
Volume
$469 million
Pricing & Closing
Avg Rate Spread
+0.374%
vs. market APOR
Avg Net Fees
$3,899
Origination − Credits
Pullthrough Rate
72.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$422,383
Avg Borrower Income
$158,193
Avg Property Value
$557,491

Geographic Coverage

Geographic Performance

Metro Areas
8
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

5
5 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West5
AZCAIDORWA

Top Metro Areas by Place Specialization Score

1© Steve Morgan · CC BY-SA 4.0
Corvallis, ORMetro
Volume 63Mix 5.67% of portfolio
100/100
Exceptional
2© Seasider53 · CC BY 4.0
Portland, OR-WAMetro
Volume 691Mix 62.14% of portfolio
92/100
Exceptional
3© Khtexg98537 at English Wikipedia · CC BY-SA 3.0
Albany, ORMetro
Volume 40Mix 3.60% of portfolio
85/100
Exceptional
4© No machine-readable author provided. Owen assumed · Public domain
Salem, ORMetro
Volume 88Mix 7.91% of portfolio
81/100
Exceptional
5© ZabMilenko at English Wikipedia · CC BY-SA 3.0
Medford, ORMetro
Volume 55Mix 4.95% of portfolio
71/100
Strong
6© Jsayre64 · CC BY-SA 3.0
Eugene, ORMetro
Volume 32Mix 2.88% of portfolio
61/100
Strong
7© Jon Roanhaus · CC BY-SA 4.0
Walla Walla, WAMetro
Volume 17Mix 1.53% of portfolio
56/100
Sound
8© Ian Poellet · CC BY-SA 3.0
Bend, ORMetro
Volume 17Mix 1.53% of portfolio
52/100
Sound

Top States by Place Specialization Score

Oregon
Oregon
1
OregonState
Volume 964Mix 86.69% of portfolio
95/100
Exceptional
Washington
Washington
2
WashingtonState
Volume 114Mix 10.25% of portfolio
66/100
Strong
Idaho
Idaho
3
IdahoState
Volume 14Mix 1.26% of portfolio
42/100
Sound
California
California
4
CaliforniaState
Volume 11Mix 0.99% of portfolio
36/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.