Historical mortgage channel price gap
Compare direct and broker-submitted conventional purchase originations using cohort medians and exact-cell matching across disclosed borrower and loan characteristics.
Read the findings and methodology →
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 HMDA pilot Downloadable summary Official source
Use the reported measurements
Download the study summary with cohort sizes, medians, matched differences, control variables, and the limits that should accompany any citation.
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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.