# GSB MORTGAGE, INC.

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


> **📋 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


GSB MORTGAGE, INC. is a independent mortgage company, headquartered in GRAPEVINE, TX, serving borrowers across 3 states, with 109 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 21% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300X844WCY1CCL322
- **Headquarters:** GRAPEVINE, TX
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** CO, LA, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

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

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

### Pricing Details
- **Average Rate Spread:** -0.383%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,096
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 109
- **Dollar Volume:** $43 million
- **Applications Received:** 133
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $390,138
- **Average Borrower Income:** $203,817
- **Average Property Value:** $509,220

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 30/100 | 102 | -0.445% | $965 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 84 loans, Score: 32/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 31/100 | 87 | $31M | -0.550% | Acceptable 🙂 |
| Refinance | 31/100 | 22 | $11M | +0.218% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 107 | 0.03% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dallas | TX | 60 | 66/100 |
| Fort Worth | TX | 28 | 59/100 |
| Non |  | 13 | 29/100 |

## Frequently Asked Questions

### What loan types does GSB MORTGAGE, INC. offer?

GSB MORTGAGE, INC. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GSB MORTGAGE, INC. offer mortgages?

GSB MORTGAGE, INC. offers mortgages in 3 states: CO, LA, TX.

### How competitive are GSB MORTGAGE, INC.'s mortgage rates?

GSB MORTGAGE, INC. has a pricing score of 79/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.383% below market average.

### What type of lender is GSB MORTGAGE, INC.?

GSB MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in GRAPEVINE, TX.

### What is GSB MORTGAGE, INC.'s loan approval success rate?

GSB MORTGAGE, INC. has a pull-through score of 55/100 (Sound). 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/gsb-mortgage

### How to Cite

> "GSB MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/gsb-mortgage

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