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GERSHMAN INVESTMENT CORP.
Independent Mortgage Company|LITTLE ROCK, AR|Multi-Region
Loans Originated
3,487
Applications
4,642
Volume
$925 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐USDA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.366%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,510
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
75.1%
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 FHA and VA and USDA loans
Report Card
GERSHMAN INVESTMENT CORP. 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 | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Sound | Industry Standard | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 25 metro areas · 18 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$265,453
Average Borrower Income
$116,412
Average Property Value
$317,902
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Sound | Strong | 2,020 | 57.9% | +0.329% | $1,608 |
FHA Loans | Strong | Exceptional | Sound | Strong | 978 | 28.0% | +0.596% | $1,453 |
VA Loans | Strong | Exceptional | Strong | Strong | 352 | 10.1% | -0.219% | $1,075 |
Jumbo Loans | Sound | Sound | N/A | N/A | 13 | 0.4% | +0.477% | $1,760 |
USDA Loans | Strong | Exceptional | Strong | Strong | 124 | 3.6% | +0.463% | $1,069 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Strong | 3,212 | 92.1% | +0.366% | $1,554 |
Refinance | Strong | Strong | Sound | Strong | 275 | 7.9% | +0.362% | $1,131 |
Geographic Coverage
Metro Areas
24
States Served
18
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ARCOFLGAIAILINKSKYMONCNEOHOKSCTNTXWI
Top Metro Areas by Place Specialization Score
1
Paducah, KY, KY-ILMSA
Volume: 71Mix: 2.04%
Place Specialization
Exceptional
2
Springfield, MO, MOMSA
Volume: 346Mix: 9.92%
Place Specialization
Exceptional
3
St. Louis, MO, MO-ILMSA
Volume: 709Mix: 20.33%
Place Specialization
Exceptional
4
Lincoln, NE, NEMSA
Volume: 299Mix: 8.57%
Place Specialization
Exceptional
5
Des Moines, IAMSA
Volume: 393Mix: 11.27%
Place Specialization
Exceptional
6
Fayetteville, ARMSA
Volume: 181Mix: 5.19%
Place Specialization
Strong
7
Clarksville, TN, TN-KYMSA
Volume: 92Mix: 2.64%
Place Specialization
Strong
8
Tampa, FL, FLMSA
Volume: 170Mix: 4.88%
Place Specialization
Strong
9
St. Petersburg, FLMSA
Volume: 90Mix: 2.58%
Place Specialization
Strong
10
Omaha, NE, NE-IAMSA
Volume: 88Mix: 2.52%
Place Specialization
Strong
Showing 10 of 24 metro areas
Top States by Place Specialization Score
1
MOState
Volume: 1,424Mix: 40.84%
Place Specialization
Exceptional
2
NEState
Volume: 427Mix: 12.25%
Place Specialization
Exceptional
3
IAState
Volume: 466Mix: 13.36%
Place Specialization
Strong
4
ARState
Volume: 263Mix: 7.54%
Place Specialization
Strong
5
KYState
Volume: 177Mix: 5.08%
Place Specialization
Strong
6
FLState
Volume: 378Mix: 10.84%
Place Specialization
Strong
7
ILState
Volume: 194Mix: 5.56%
Place Specialization
Strong
8
TNState
Volume: 98Mix: 2.81%
Place Specialization
Sound
9
COState
Volume: 20Mix: 0.57%
Place Specialization
Sound
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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