What loan types does Mortgage Research Center offer?

Mortgage Research Center offers the following mortgage loan types: FHA, Conventional, VA, usda. Each product has its own pricing score and performance metrics.

Where does Mortgage Research Center offer mortgages?

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

How competitive are Mortgage Research Center's mortgage rates?

Mortgage Research Center has an overall pricing score of 33.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Mortgage Research Center?

Mortgage Research Center is a Independent Mortgage Company headquartered in SAINT LOUIS, MO.

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Mortgage Research Center

Independent Mortgage Company•Saint Louis, MOHQ•Direct•Reviews near you on Google

Mortgage Research Center's 60.6k closed loans and 120k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · USDA

Place

Exceptional

5/5

National · 49 mkts

Awards

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance
High volume lender with significant market experience
Particularly strong in Conventional and FHA and VA and USDA loans
Nationwide availability with consistent service

Things to Think About

Rates typically 54 basis points above market average

Explore another lender or local market

Report Card

Mortgage Research Center performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+54.0 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

Exceptional

Top 20% of lenders

Exceptional

Top 5% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 5% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Exceptional

Top 20% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Sound	2,886	4.8%	+0.540%Above	$1,956Fees
FHA Loans	Strong	Exceptional	—	Sound	2,002	3.3%	—	—
VA Loans	Exceptional	Exceptional	—	Strong	55,571	91.7%	—	—
USDA Loans	Strong	Exceptional	—	Sound	129	0.2%	—	—

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume2,886

Mix4.8%

Spread

+0.540%Above

Fees

$1,956Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing—

Pull Through

Sound

Volume2,002

Mix3.3%

Spread—

Fees—

VA Loans

Overall

Exceptional

Product

Exceptional

Pricing—

Pull Through

Strong

Volume55,571

Mix91.7%

Spread—

Fees—

USDA Loans

Overall

Strong

Product

Exceptional

Pricing—

Pull Through

Sound

Volume129

Mix0.2%

Spread—

Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	58,008	95.7%	+0.549%Above	$1,925Fees
Refinance	Sound	Strong	Sound	Acceptable	2,580	4.3%	+0.468%Above	$2,195Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume58,008

Mix95.7%

Spread

+0.549%Above

Fees

$1,925Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Acceptable

Volume2,580

Mix4.3%

Spread

+0.468%Above

Fees

$2,195Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

60,588

Applications

120,116

Volume

$19 billion

Pricing & Closing

Avg Rate Spread

+0.540%

vs. market APOR

Avg Net Fees

$1,956

Origination − Credits

Pullthrough Rate

50.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$316,874

Avg Borrower Income

$107,147

Avg Property Value

$337,094

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

Includes Washington, DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

51Nationwide · all 50 states and DC

Northeast9

CTMEMANHNJNYPARIVT

Midwest12

IAILINKSMIMNMONDNEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© GatewayPolitics · CC BY-SA 4.0

Clarksville, TN, TN-KYMetro

Volume 874Mix 1.44% of portfolio

100/100

Exceptional

2© Brandonrush · CC BY-SA 3.0

Fayetteville, NCMetro

Volume 786Mix 1.30% of portfolio

100/100

Exceptional

3© Michael Rivera · CC BY-SA 4.0

Hinesville, GAMetro

Volume 360Mix 0.59% of portfolio

100/100

Exceptional

4© Jphill19 · CC BY-SA 4.0

Lawton, OKMetro

Volume 285Mix 0.47% of portfolio

100/100

Exceptional

5© Greyfiveys · CC BY-SA 4.0

Virginia Beach, VA-NCMetro

Volume 1,835Mix 3.03% of portfolio

96/100

Exceptional

Jacksonville, NCMetro

Volume 414Mix 0.68% of portfolio

96/100

Exceptional

Killeen, TXMetro

Volume 603Mix 1.00% of portfolio

93/100

Exceptional

Augusta, GA-SCMetro

Volume 407Mix 0.67% of portfolio

93/100

Exceptional

Columbus, GA, GA-ALMetro

Volume 256Mix 0.42% of portfolio

89/100

Exceptional

Savannah, GAMetro

Volume 285Mix 0.47% of portfolio

87/100

Exceptional

Showing 10 of 49 metro areas

Top States by Place Specialization Score

VirginiaState

Volume 3,201Mix 5.28% of portfolio

93/100

Exceptional

AlabamaState

Volume 1,857Mix 3.06% of portfolio

92/100

Exceptional

KansasState

Volume 1,040Mix 1.72% of portfolio

91/100

Exceptional

GeorgiaState

Volume 3,330Mix 5.50% of portfolio

89/100

Exceptional

TennesseeState

Volume 2,392Mix 3.95% of portfolio

89/100

Exceptional

South CarolinaState

Volume 1,646Mix 2.72% of portfolio

89/100

Exceptional

TexasState

Volume 5,495Mix 9.07% of portfolio

88/100

Exceptional

OklahomaState

Volume 1,577Mix 2.60% of portfolio

88/100

Exceptional

KentuckyState

Volume 1,311Mix 2.16% of portfolio

88/100

Exceptional

West VirginiaState

Volume 554Mix 0.91% of portfolio

87/100

Exceptional

Showing 10 of 51 states

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.