M
Mortgage Research Center, LLC
Independent Mortgage Company•SAINT LOUIS, MO•Direct to Consumer
Mortgage Research Center's 60.6k closed loans and 120k applications, benchmarked against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · USDA
Place
Exceptional
National · 49 mkts
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Safe Rate's 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, LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +54.0 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 5% of lenders | |
USDA | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 5% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Market Leader Top 20% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,886 | 4.8% | +0.540%Above | $1,956Fees | ||||
FHA Loans | — | 2,002 | 3.3% | — | — | |||
VA Loans | — | 55,571 | 91.7% | — | — | |||
USDA Loans | — | 129 | 0.2% | — | — |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 58,008 | 95.7% | +0.549%Above | $1,925Fees | ||||
Refinance | 2,580 | 4.3% | +0.468%Above | $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
49
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Clarksville, TN, TN-KYMSA
Volume: 874Mix: 1.44%of portfolio
Place
Exceptional2
Fayetteville, NC, NCMSA
Volume: 786Mix: 1.30%of portfolio
Place
Exceptional3
Hinesville, GA, GAMSA
Volume: 360Mix: 0.59%of portfolio
Place
Exceptional4
Lawton, OK, OKMSA
Volume: 285Mix: 0.47%of portfolio
Place
Exceptional5
Virginia Beach, VA-NCMSA
Volume: 1,835Mix: 3.03%of portfolio
Place
Exceptional6
Jacksonville, NC, NCMSA
Volume: 414Mix: 0.68%of portfolio
Place
Exceptional7
Killeen, TXMSA
Volume: 603Mix: 1.00%of portfolio
Place
Exceptional8
Augusta, GA-SCMSA
Volume: 407Mix: 0.67%of portfolio
Place
Exceptional9
Columbus, GA, GA-ALMSA
Volume: 256Mix: 0.42%of portfolio
Place
Exceptional10
Savannah, GA, GAMSA
Volume: 285Mix: 0.47%of portfolio
Place
ExceptionalShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
VAState
Volume: 3,201Mix: 5.28%of portfolio
Place
Exceptional2
ALState
Volume: 1,857Mix: 3.06%of portfolio
Place
Exceptional3
KSState
Volume: 1,040Mix: 1.72%of portfolio
Place
Exceptional4
GAState
Volume: 3,330Mix: 5.50%of portfolio
Place
Exceptional5
TNState
Volume: 2,392Mix: 3.95%of portfolio
Place
Exceptional6
SCState
Volume: 1,646Mix: 2.72%of portfolio
Place
Exceptional7
TXState
Volume: 5,495Mix: 9.07%of portfolio
Place
Exceptional8
OKState
Volume: 1,577Mix: 2.60%of portfolio
Place
Exceptional9
KYState
Volume: 1,311Mix: 2.16%of portfolio
Place
Exceptional10
WVState
Volume: 554Mix: 0.91%of portfolio
Place
ExceptionalShowing 10 of 51 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.