# General Mortgage Capital Corporation

> **Canonical URL:** https://saferate.com/lenders/general-mortgage-capital


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


General Mortgage Capital Corporation is a independent mortgage company, headquartered in Sacramento, CA, serving borrowers nationwide, with 2,422 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 50% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 21% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900VELJPWWT51WN03
- **Headquarters:** Sacramento, CA
- **Geographic Reach:** National
- **States Served:** 41
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, IL, IN, KS, KY, MA, MD, MI, MN, MO, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV
- **Markets (MSAs):** 42
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.092%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,909
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,422
- **Dollar Volume:** $1.2 billion
- **Applications Received:** 3,055
- **Market Share:** 7.00%

## Typical Borrower Profile

- **Average Loan Amount:** $503,770
- **Average Borrower Income:** $232,647
- **Average Property Value:** $821,495

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 78/100 | 2,337 | +0.077% | $1,960 | Strong 😀 |
| Jumbo | 75/100 | 85 | +0.465% | $558 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,942 loans, Score: 79/100 (Strong)
- Refinance: 395 loans, Score: 72/100 (Strong)

**Jumbo:**
- Purchase: 72 loans, Score: 76/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 72/100 | 2,014 | $1.0B | +0.096% | Strong 😀 |
| Refinance | 70/100 | 408 | $219M | +0.069% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 951 | 0.33% | 78/100 |
| NC | 229 | 0.15% | 66/100 |
| WA | 210 | 0.25% | 71/100 |
| GA | 184 | 0.13% | 66/100 |
| TX | 144 | 0.04% | 58/100 |
| MA | 118 | 0.20% | 63/100 |
| NV | 81 | 0.20% | 63/100 |
| FL | 77 | 0.03% | 51/100 |
| NJ | 72 | 0.08% | 58/100 |
| NY | 50 | 0.04% | 52/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Oakland | CA | 180 | 77/100 |
| Los Angeles | CA | 165 | 70/100 |
| Seattle | WA | 155 | 73/100 |
| San Francisco | CA | 146 | 81/100 |
| San Jose | CA | 120 | 72/100 |
| Atlanta | GA | 99 | 63/100 |
| Raleigh | NC | 98 | 68/100 |
| Anaheim | CA | 83 | 66/100 |
| Sacramento | CA | 81 | 62/100 |
| Las Vegas | NV | 73 | 63/100 |
| Riverside | CA | 68 | 58/100 |
| Cambridge | MA | 67 | 61/100 |
| Durham | NC | 55 | 66/100 |
| Dallas | TX | 48 | 54/100 |
| Austin | TX | 43 | 56/100 |

## Where This Lender Ranks

General Mortgage Capital Corporation appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in San Francisco Mortgage Companies
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in San Francisco for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in San Jose for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Hinesville, GA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hinesville-ga/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in San Jose Mortgage Companies
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Anaheim Mortgage Companies
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Anaheim for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Los Angeles for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Sacramento for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Hinesville, GA for Conventional Loans
  - [View Full Rankings](https://saferate.com/hinesville-ga/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Oakland for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#10** in Cambridge for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#10** in Durham for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/durham/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#11** in Oakland Mortgage Companies
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/mortgage-companies)
- 🏆 **#11** in Los Angeles Mortgage Companies
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies)
- 🏆 **#11** in Sacramento Mortgage Companies
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/mortgage-companies)
- 🏆 **#11** in Cambridge Mortgage Companies
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/mortgage-companies)
- 🏆 **#11** in Albany for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#12** in Seattle for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#12** in San Francisco for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/mortgage-companies/jumbo-loans)

## Frequently Asked Questions

### What loan types does General Mortgage Capital Corporation offer?

General Mortgage Capital Corporation offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does General Mortgage Capital Corporation offer mortgages?

General Mortgage Capital Corporation is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are General Mortgage Capital Corporation's mortgage rates?

General Mortgage Capital Corporation has a pricing score of 50/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.092% above market average.

### What type of lender is General Mortgage Capital Corporation?

General Mortgage Capital Corporation is a non-depository lender that specializes in mortgage origination, headquartered in Sacramento, CA.

### What is General Mortgage Capital Corporation's loan approval success rate?

General Mortgage Capital Corporation has a pull-through score of 79/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/general-mortgage-capital

### How to Cite

> "General Mortgage Capital Corporation Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/general-mortgage-capital

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