# GERSHMAN INVESTMENT CORP.

> **Canonical URL:** https://saferate.com/lenders/gershman-investment


> **📋 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


GERSHMAN INVESTMENT CORP. is a independent mortgage company, headquartered in LITTLE ROCK, AR, serving borrowers across 18 states, with 3,487 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 45% 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):** 549300NB3SBC1KHAWB92
- **Headquarters:** LITTLE ROCK, AR
- **Geographic Reach:** Multi-Region
- **States Served:** 18
- **State List:** AR, CO, FL, GA, IA, IL, IN, KS, KY, MO, NC, NE, OH, OK, SC, TN, TX, WI
- **Markets (MSAs):** 25
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 91.2%
- **Brokered/Wholesale:** 8.8%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

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

### Pricing Details
- **Average Rate Spread:** +0.366%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,510
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 3,487
- **Dollar Volume:** $926 million
- **Applications Received:** 4,642
- **Market Share:** 10.00%

## Typical Borrower Profile

- **Average Loan Amount:** $265,453
- **Average Borrower Income:** $116,412
- **Average Property Value:** $317,902

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **USDA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 82/100 | 2,020 | +0.329% | $1,608 | Exceptional 🤩 |
| FHA | 85/100 | 978 | +0.596% | $1,453 | Exceptional 🤩 |
| VA | 81/100 | 352 | -0.219% | $1,075 | Exceptional 🤩 |
| Jumbo | 42/100 | 13 | +0.477% | $1,760 | Sound ☺️ |
| USDA | 87/100 | 124 | +0.463% | $1,069 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,823 loans, Score: 83/100 (Exceptional)
- Refinance: 197 loans, Score: 71/100 (Strong)

**FHA:**
- Purchase: 921 loans, Score: 86/100 (Exceptional)
- Refinance: 57 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 334 loans, Score: 81/100 (Exceptional)

**USDA:**
- Purchase: 123 loans, Score: 87/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 85/100 | 3,212 | $853M | +0.366% | Exceptional 🤩 |
| Refinance | 72/100 | 275 | $73M | +0.362% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 1,424 | 1.90% | 88/100 |
| IA | 466 | 1.32% | 77/100 |
| NE | 427 | 2.00% | 83/100 |
| FL | 378 | 0.13% | 68/100 |
| AR | 263 | 0.82% | 74/100 |
| IL | 194 | 0.16% | 66/100 |
| KY | 177 | 0.38% | 70/100 |
| TN | 98 | 0.11% | 59/100 |
| CO | 20 | 0.02% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| St. Louis, MO | MO-IL | 709 | 90/100 |
| Non |  | 636 | 73/100 |
| Des Moines | IA | 393 | 86/100 |
| Springfield, MO | MO | 346 | 94/100 |
| Lincoln, NE | NE | 299 | 87/100 |
| Fayetteville | AR | 181 | 76/100 |
| Tampa, FL | FL | 170 | 71/100 |
| Clarksville, TN | TN-KY | 92 | 72/100 |
| St. Petersburg | FL | 90 | 70/100 |
| Omaha, NE | NE-IA | 88 | 67/100 |
| Paducah, KY | KY-IL | 71 | 100/100 |
| Little Rock | AR | 49 | 62/100 |
| Joplin, MO | MO-KS | 35 | 56/100 |
| Cape Girardeau, MO | MO-IL | 30 | 66/100 |
| North Port | FL | 29 | 53/100 |

## Where This Lender Ranks

GERSHMAN INVESTMENT CORP. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Nebraska for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Springfield, MO for USDA Loans
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Springfield, MO for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Lincoln, NE Mortgage Companies
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Lincoln, NE for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Lincoln, NE for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in Paducah, KY Mortgage Companies
  - [View Full Rankings](https://saferate.com/paducah-ky/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Paducah, KY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/paducah-ky/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Paducah, KY for FHA Loans
  - [View Full Rankings](https://saferate.com/paducah-ky/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Paducah, KY for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/paducah-ky/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Paducah, KY for VA Loans
  - [View Full Rankings](https://saferate.com/paducah-ky/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Paducah, KY for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/paducah-ky/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Missouri for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in St. Louis, MO for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Nebraska for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Nebraska for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Des Moines Mortgage Companies
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Des Moines for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Des Moines for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Springfield, MO for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does GERSHMAN INVESTMENT CORP. offer?

GERSHMAN INVESTMENT CORP. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GERSHMAN INVESTMENT CORP. offer mortgages?

GERSHMAN INVESTMENT CORP. offers mortgages in 18 states: AR, CO, FL, GA, IA, IL, IN, KS, KY, MO, NC, NE, OH, OK, SC, TN, TX, WI.

### How competitive are GERSHMAN INVESTMENT CORP.'s mortgage rates?

GERSHMAN INVESTMENT CORP. has a pricing score of 55/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.366% above market average.

### What type of lender is GERSHMAN INVESTMENT CORP.?

GERSHMAN INVESTMENT CORP. is a non-depository lender that specializes in mortgage origination, headquartered in LITTLE ROCK, AR.

### What is GERSHMAN INVESTMENT CORP.'s loan approval success rate?

GERSHMAN INVESTMENT CORP. 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/gershman-investment

### How to Cite

> "GERSHMAN INVESTMENT CORP. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/gershman-investment

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