What loan types does Gershman Investment offer?

Gershman Investment offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Gershman Investment offer mortgages?

Gershman Investment offers mortgages in 18 states: AR, CO, FL, GA, IA, IL, IN, KS, KY, MO, NC, NE, OH, OK, SC, TN, TX, WI.

How competitive are Gershman Investment's mortgage rates?

Gershman Investment has an overall pricing score of 54.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Gershman Investment?

Gershman Investment is a Independent Mortgage Company headquartered in LITTLE ROCK, AR.

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Gershman Investment

Independent Mortgage Company•Little Rock, ARHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Gershman Investment — 3.5k loans across 5k 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

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

Multi-Region · 24 mkts

Awards

Conventional

Superstar

FHA

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and USDA loans

Explore another lender or local market

Report Card

Gershman Investment performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+36.6 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Sound

Top 60% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 25 markets

Strong

Top 40% of lenders

Loan Product Performance

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%Above	$1,608Fees
FHA Loans	Strong	Exceptional	Sound	Strong	978	28.0%	+0.596%Above	$1,453Fees
VA Loans	Strong	Exceptional	Strong	Strong	352	10.1%	-0.219%Below	$1,075Fees
Jumbo Loans	Sound	Sound	—	—	13	0.4%	+0.477%Above	$1,760Fees
USDA Loans	Strong	Exceptional	Strong	Strong	124	3.6%	+0.463%Above	$1,069Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume2,020

Mix57.9%

Spread

+0.329%Above

Fees

$1,608Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume978

Mix28.0%

Spread

+0.596%Above

Fees

$1,453Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume352

Mix10.1%

Spread

-0.219%Below

Fees

$1,075Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume13

Mix0.4%

Spread

+0.477%Above

Fees

$1,760Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume124

Mix3.6%

Spread

+0.463%Above

Fees

$1,069Fees

Loan Purpose Performance

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%Above	$1,554Fees
Refinance	Strong	Strong	Sound	Strong	275	7.9%	+0.362%Above	$1,131Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume3,212

Mix92.1%

Spread

+0.366%Above

Fees

$1,554Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume275

Mix7.9%

Spread

+0.362%Above

Fees

$1,131Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

3,487

Applications

4,642

Volume

$925 million

Pricing & Closing

Avg Rate Spread

+0.366%

vs. market APOR

Avg Net Fees

$1,510

Origination − Credits

Pullthrough Rate

75.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$265,453

Avg Borrower Income

$116,412

Avg Property Value

$317,902

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Midwest8

IAILINKSMONEOHWI

South9

ARFLGAKYNCOKSCTNTX

West1

Top Metro Areas by Place Specialization Score

1© Carolyn Cuskey · CC BY 2.0

Paducah, KY, KY-ILMetro

Volume 71Mix 2.04% of portfolio

100/100

Exceptional

2© Matt Turner · CC BY 2.0

Springfield, MOMetro

Volume 346Mix 9.92% of portfolio

94/100

Exceptional

3© WeaponizingArchitecture · CC BY-SA 4.0

St. Louis, MO, MO-ILMetro

Volume 709Mix 20.33% of portfolio

90/100

Exceptional

Lincoln, NEMetro

Volume 299Mix 8.57% of portfolio

87/100

Exceptional

Des Moines, IAMetro

Volume 393Mix 11.27% of portfolio

86/100

Exceptional

Fayetteville, ARMetro

Volume 181Mix 5.19% of portfolio

76/100

Strong

Clarksville, TN, TN-KYMetro

Volume 92Mix 2.64% of portfolio

72/100

Strong

Tampa, FLMetro

Volume 170Mix 4.88% of portfolio

71/100

Strong

St. Petersburg, FLMetro

Volume 90Mix 2.58% of portfolio

70/100

Strong

Omaha, NE, NE-IAMetro

Volume 88Mix 2.52% of portfolio

67/100

Strong

Showing 10 of 24 metro areas

Top States by Place Specialization Score

MissouriState

Volume 1,424Mix 40.84% of portfolio

88/100

Exceptional

NebraskaState

Volume 427Mix 12.25% of portfolio

83/100

Exceptional

IowaState

Volume 466Mix 13.36% of portfolio

77/100

Strong

ArkansasState

Volume 263Mix 7.54% of portfolio

74/100

Strong

KentuckyState

Volume 177Mix 5.08% of portfolio

70/100

Strong

FloridaState

Volume 378Mix 10.84% of portfolio

68/100

Strong

IllinoisState

Volume 194Mix 5.56% of portfolio

66/100

Strong

TennesseeState

Volume 98Mix 2.81% of portfolio

59/100

Sound

ColoradoState

Volume 20Mix 0.57% of portfolio

42/100

Sound

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.