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Mortgage Research Center, LLC
Independent Mortgage Company|SAINT LOUIS, MO|National
Loans Originated
60,588
Applications
120,116
Volume
$19 billion
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.540%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,956
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
50.4%
Percentage of applications that result in closed loans
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
Report Card
Mortgage Research Center, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Exceptional | National · 50 metro areas · 51 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$316,874
Average Borrower Income
$107,147
Average Property Value
$337,094
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% | $1,956 |
FHA Loans | Strong | Exceptional | N/A | Sound | 2,002 | 3.3% | — | — |
VA Loans | Strong | Exceptional | N/A | Strong | 55,571 | 91.7% | — | — |
USDA Loans | Strong | Exceptional | N/A | Sound | 129 | 0.2% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 58,008 | 95.7% | +0.549% | $1,925 |
Refinance | Sound | Strong | Sound | Acceptable | 2,580 | 4.3% | +0.468% | $2,195 |
Geographic Coverage
Metro Areas
49
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Clarksville, TN, TN-KYMSA
Volume: 874Mix: 1.44%
Place Specialization
Exceptional
2
Fayetteville, NC, NCMSA
Volume: 786Mix: 1.30%
Place Specialization
Exceptional
3
Hinesville, GA, GAMSA
Volume: 360Mix: 0.59%
Place Specialization
Exceptional
4
Lawton, OK, OKMSA
Volume: 285Mix: 0.47%
Place Specialization
Exceptional
5
Virginia Beach, VA-NCMSA
Volume: 1,835Mix: 3.03%
Place Specialization
Exceptional
6
Jacksonville, NC, NCMSA
Volume: 414Mix: 0.68%
Place Specialization
Exceptional
7
Killeen, TXMSA
Volume: 603Mix: 1.00%
Place Specialization
Exceptional
8
Augusta, GA-SCMSA
Volume: 407Mix: 0.67%
Place Specialization
Exceptional
9
Columbus, GA, GA-ALMSA
Volume: 256Mix: 0.42%
Place Specialization
Exceptional
10
Savannah, GA, GAMSA
Volume: 285Mix: 0.47%
Place Specialization
Exceptional
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
VAState
Volume: 3,201Mix: 5.28%
Place Specialization
Exceptional
2
ALState
Volume: 1,857Mix: 3.06%
Place Specialization
Exceptional
3
KSState
Volume: 1,040Mix: 1.72%
Place Specialization
Exceptional
4
GAState
Volume: 3,330Mix: 5.50%
Place Specialization
Exceptional
5
TNState
Volume: 2,392Mix: 3.95%
Place Specialization
Exceptional
6
SCState
Volume: 1,646Mix: 2.72%
Place Specialization
Exceptional
7
TXState
Volume: 5,495Mix: 9.07%
Place Specialization
Exceptional
8
OKState
Volume: 1,577Mix: 2.60%
Place Specialization
Exceptional
9
KYState
Volume: 1,311Mix: 2.16%
Place Specialization
Exceptional
10
WVState
Volume: 554Mix: 0.91%
Place Specialization
Exceptional
Showing 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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