Broker or direct lender: which offer is better?
This small study did not establish an overall winner. Read what the rate and fee differences mean—and what they cannot tell you.
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LenderCity research
Mortgage pricing evidence you can inspect.
Original analysis built from disclosed data, a published method, and visible limitations. Use the findings as market context—not as a personalized quote or a promise of savings.
Current release2025 Missouri fixed-rate pilot · v1.2.0 Citation and media kit Downloadable data Official source
Reuse the result with its context
Copy plain-text, APA, or BibTeX citations and download a one-page brief plus publication-ready PNG and SVG charts.
Open the citation kit →Audit the reported measurements
Download the summary and matched-cell files with sample sizes, medians, matching controls, uncertainty ranges, and limitations.
Download summary CSV →Check the underlying public record
The pilot is based on the official 2025 FFIEC HMDA Snapshot Loan-Level Dataset for Missouri. LenderCity’s findings are descriptive and do not establish causation.
Open the HMDA Data Browser →Citation standard
Every finding should travel with its context.
Cite the geography, data vintage, population, method, effective matched sample, and limitations. Do not present a historical channel association as an available rate, a personalized mortgage quote, or guaranteed savings.