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General Mortgage Capital Corporation
Independent Mortgage Company|Sacramento, CA|National
Loans Originated
2,422
Applications
3,055
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.092%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,909
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
79.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Report Card
General Mortgage Capital Corporation performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 42 metro areas · 41 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$503,770
Average Borrower Income
$232,647
Average Property Value
$821,495
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 2,337 | 96.5% | +0.077% | $1,960 |
Jumbo Loans | Sound | Strong | Acceptable | Sound | 85 | 3.5% | +0.465% | $558 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 2,014 | 83.2% | +0.096% | $2,260 |
Refinance | Strong | Strong | Strong | Strong | 408 | 16.8% | +0.069% | $27 |
Geographic Coverage
Metro Areas
41
States Served
41
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOCTDCDEFLGAHIIAILINKSKYMAMDMIMNMONCNENHNJNMNVNYOHOKORPARISCTNTXUTVAWAWIWV
Top Metro Areas by Place Specialization Score
1
San Francisco, CAMSA
Volume: 146Mix: 6.03%
Place Specialization
Exceptional
2
Oakland, CAMSA
Volume: 180Mix: 7.43%
Place Specialization
Strong
3
Seattle, WAMSA
Volume: 155Mix: 6.40%
Place Specialization
Strong
4
San Jose, CAMSA
Volume: 120Mix: 4.95%
Place Specialization
Strong
5
Los Angeles, CAMSA
Volume: 165Mix: 6.81%
Place Specialization
Strong
6
Raleigh, NCMSA
Volume: 98Mix: 4.05%
Place Specialization
Strong
7
Anaheim, CAMSA
Volume: 83Mix: 3.43%
Place Specialization
Strong
8
Durham, NCMSA
Volume: 55Mix: 2.27%
Place Specialization
Strong
9
Atlanta, GAMSA
Volume: 99Mix: 4.09%
Place Specialization
Strong
10
Las Vegas, NVMSA
Volume: 73Mix: 3.01%
Place Specialization
Strong
Showing 10 of 41 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 951Mix: 39.27%
Place Specialization
Strong
2
WAState
Volume: 210Mix: 8.67%
Place Specialization
Strong
3
NCState
Volume: 229Mix: 9.45%
Place Specialization
Strong
4
GAState
Volume: 184Mix: 7.60%
Place Specialization
Strong
5
MAState
Volume: 118Mix: 4.87%
Place Specialization
Strong
6
NVState
Volume: 81Mix: 3.34%
Place Specialization
Strong
7
TXState
Volume: 144Mix: 5.95%
Place Specialization
Sound
8
NJState
Volume: 72Mix: 2.97%
Place Specialization
Sound
9
NYState
Volume: 50Mix: 2.06%
Place Specialization
Sound
10
ILState
Volume: 49Mix: 2.02%
Place Specialization
Sound
Showing 10 of 20 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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