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General Mortgage Capital Corporation
Independent Mortgage Company•Sacramento, CA•Direct to Consumer
We analyzed every closed loan from General Mortgage Capital — 2.4k loans across 3k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
Conventional · Jumbo
Place
Sound
National · 41 mkts
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
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Report Card
General Mortgage Capital Corporation performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +9.2 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders National42 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,337 | 96.5% | +0.077%Above | $1,960Fees | ||||
Jumbo Loans | 85 | 3.5% | +0.465%Above | $558Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,014 | 83.2% | +0.096%Above | $2,260Fees | ||||
Refinance | 408 | 16.8% | +0.069%Above | $27Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,422
Applications
3,055
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.092%
vs. market APOR
Avg Net Fees
$1,909
Origination − Credits
Pullthrough Rate
79.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$503,770
Avg Borrower Income
$232,647
Avg Property Value
$821,495
Geographic Coverage
Geographic Performance
Metro Areas
41
States Served
41
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACOCTDCDEFLGAHIIAILINKSKYMAMDMIMNMONCNENHNJNMNVNYOHOKORPARISCTNTXUTVAWAWIWV
Top Metro Areas by Place Specialization Score
1
San Francisco, CAMSA
Volume: 146Mix: 6.03%of portfolio
Place
Exceptional2
Oakland, CAMSA
Volume: 180Mix: 7.43%of portfolio
Place
Strong3
Seattle, WAMSA
Volume: 155Mix: 6.40%of portfolio
Place
Strong4
San Jose, CAMSA
Volume: 120Mix: 4.95%of portfolio
Place
Strong5
Los Angeles, CAMSA
Volume: 165Mix: 6.81%of portfolio
Place
Strong6
Raleigh, NCMSA
Volume: 98Mix: 4.05%of portfolio
Place
Strong7
Anaheim, CAMSA
Volume: 83Mix: 3.43%of portfolio
Place
Strong8
Durham, NCMSA
Volume: 55Mix: 2.27%of portfolio
Place
Strong9
Atlanta, GAMSA
Volume: 99Mix: 4.09%of portfolio
Place
Strong10
Las Vegas, NVMSA
Volume: 73Mix: 3.01%of portfolio
Place
StrongShowing 10 of 41 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 951Mix: 39.27%of portfolio
Place
Strong2
WAState
Volume: 210Mix: 8.67%of portfolio
Place
Strong3
NCState
Volume: 229Mix: 9.45%of portfolio
Place
Strong4
GAState
Volume: 184Mix: 7.60%of portfolio
Place
Strong5
MAState
Volume: 118Mix: 4.87%of portfolio
Place
Strong6
NVState
Volume: 81Mix: 3.34%of portfolio
Place
Strong7
TXState
Volume: 144Mix: 5.95%of portfolio
Place
Sound8
NJState
Volume: 72Mix: 2.97%of portfolio
Place
Sound9
NYState
Volume: 50Mix: 2.06%of portfolio
Place
Sound10
ILState
Volume: 49Mix: 2.02%of portfolio
Place
SoundShowing 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.