General Mortgage Capital Corporation
We analyzed every closed loan from General Mortgage Capital Corporation — 2.4k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
National · 41 mkts
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
General Mortgage Capital Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+9.2 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 42 markets
Sound
Top 60% of lenders
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 |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume2,337
Mix96.5%
Spread
+0.077%Above
Fees
$1,960Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume85
Mix3.5%
Spread
+0.465%Above
Fees
$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 |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume2,014
Mix83.2%
Spread
+0.096%Above
Fees
$2,260Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume408
Mix16.8%
Spread
+0.069%Above
Fees
$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
markets with activity
States Served
41
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
41Northeast7
CTMANHNJNYPARI
Midwest10
IAILINKSMIMNMONEOHWI
South15
ALARDCDEFLGAKYMDNCOKSCTNTXVAWV
West9
AZCACOHINMNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 146Mix 6.03% of portfolio
81/100
Exceptional
Volume 180Mix 7.43% of portfolio
77/100
Strong
Volume 155Mix 6.40% of portfolio
73/100
Strong
Volume 120Mix 4.95% of portfolio
72/100
Strong
Volume 165Mix 6.81% of portfolio
70/100
Strong
Volume 98Mix 4.05% of portfolio
68/100
Strong
Volume 83Mix 3.43% of portfolio
66/100
Strong
Volume 55Mix 2.27% of portfolio
66/100
Strong
Volume 99Mix 4.09% of portfolio
63/100
Strong
Volume 73Mix 3.01% of portfolio
63/100
StrongShowing 10 of 41 metro areas
Top States by Place Specialization Score
1
CaliforniaState
Volume 951Mix 39.27% of portfolio
78/100
Strong2
WashingtonState
Volume 210Mix 8.67% of portfolio
71/100
Strong3
North CarolinaState
Volume 229Mix 9.45% of portfolio
66/100
Strong4
GeorgiaState
Volume 184Mix 7.60% of portfolio
66/100
Strong5
MassachusettsState
Volume 118Mix 4.87% of portfolio
63/100
Strong6
NevadaState
Volume 81Mix 3.34% of portfolio
63/100
Strong7
TexasState
Volume 144Mix 5.95% of portfolio
58/100
Sound8
New JerseyState
Volume 72Mix 2.97% of portfolio
58/100
Sound9
New YorkState
Volume 50Mix 2.06% of portfolio
52/100
Sound10
IllinoisState
Volume 49Mix 2.02% of portfolio
52/100
SoundShowing 10 of 20 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.