# GVC MORTGAGE, INC.

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


GVC MORTGAGE, INC. is a independent mortgage company, headquartered in Pendleton, IN, serving borrowers across 13 states, with 3,999 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 81% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 54930077D8KXQADF5Q23
- **Headquarters:** Pendleton, IN
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** AL, AZ, FL, IL, IN, KY, MI, NC, OH, SC, TN, TX, VA
- **Markets (MSAs):** 23
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 19/100
- Rating: ●○○○○ (1/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.583%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,167
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 3,999
- **Dollar Volume:** $961 million
- **Applications Received:** 4,903
- **Market Share:** 11.00%

## Typical Borrower Profile

- **Average Loan Amount:** $240,394
- **Average Borrower Income:** $101,729
- **Average Property Value:** $284,667

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **VA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 82/100 | 2,576 | +0.504% | $3,149 | Exceptional 🤩 |
| FHA | 84/100 | 1,000 | +0.934% | $3,471 | Exceptional 🤩 |
| VA | 78/100 | 214 | +0.053% | $2,435 | Strong 😀 |
| USDA | 91/100 | 203 | +0.885% | $2,482 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,324 loans, Score: 83/100 (Exceptional)
- Refinance: 252 loans, Score: 75/100 (Strong)

**FHA:**
- Purchase: 917 loans, Score: 85/100 (Exceptional)
- Refinance: 83 loans, Score: 77/100 (Strong)

**VA:**
- Purchase: 210 loans, Score: 78/100 (Strong)

**USDA:**
- Purchase: 202 loans, Score: 91/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 85/100 | 3,659 | $877M | +0.606% | Exceptional 🤩 |
| Refinance | 76/100 | 340 | $84M | +0.379% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 3,045 | 3.34% | 96/100 |
| MI | 441 | 0.39% | 74/100 |
| OH | 248 | 0.18% | 67/100 |
| TN | 160 | 0.18% | 65/100 |
| VA | 51 | 0.05% | 52/100 |
| FL | 29 | 0.01% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Indianapolis | IN | 1,693 | 100/100 |
| Non |  | 913 | 77/100 |
| Fort Wayne, IN | IN | 257 | 81/100 |
| Canton | OH | 116 | 77/100 |
| Kokomo, IN | IN | 112 | 98/100 |
| Kingsport | TN-VA | 92 | 70/100 |
| Muncie, IN | IN | 87 | 81/100 |
| Columbus, IN | IN | 79 | 80/100 |
| Kalamazoo | MI | 64 | 66/100 |
| Battle Creek, MI | MI | 58 | 75/100 |
| Toledo, OH | OH | 55 | 65/100 |
| Johnson City, TN | TN | 45 | 63/100 |
| Lafayette | IN | 45 | 62/100 |
| Akron, OH | OH | 38 | 58/100 |
| Lake County | IN | 37 | 59/100 |

## Where This Lender Ranks

GVC MORTGAGE, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Muncie, IN for USDA Loans
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Muncie, IN for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Evansville, IN for USDA Loans
  - [View Full Rankings](https://saferate.com/evansville-in/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Evansville, IN for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/evansville-in/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Kingsport for USDA Loans
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Kingsport for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Muncie, IN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Fort Wayne, IN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Muncie, IN for VA Loans
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/va-loans)
- 🏆 **#4** in Muncie, IN for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in Columbus, IN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/columbus-in/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Bloomington, IN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bloomington-in/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Indianapolis for USDA Loans
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/usda-loans)
- 🏆 **#5** in Indianapolis for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in Kokomo, IN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kokomo-in/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Kalamazoo for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#6** in Kingsport for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Kalamazoo for VA Loans
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders/va-loans)
- 🏆 **#6** in Terre Haute, IN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/terre-haute-in/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Fort Wayne, IN for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

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

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

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

GVC MORTGAGE, INC. offers mortgages in 13 states: AL, AZ, FL, IL, IN, KY, MI, NC, OH, SC, TN, TX, VA.

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

GVC MORTGAGE, INC. has a pricing score of 19/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.583% above market average.

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

GVC MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Pendleton, IN.

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

GVC MORTGAGE, INC. has a pull-through score of 83/100 (Exceptional). 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/gvc-mortgage

### How to Cite

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

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