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GMFS

Independent Mortgage Company•Camden, DEHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from GMFS — 5.2k loans across 7k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 37 mkts
Safe Rate Awards
USDA Champion
USDA
Champion
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

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

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Report Card

GMFS performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+23.4 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Exceptional
Top 20% of lenders
USDA
Exceptional
Top 5% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 38 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Exceptional
Volume3,276
Mix62.7%
Spread
+0.222%Above
Fees
$2,125Fees
FHA Loans
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume1,148
Mix22.0%
Spread
+0.463%Above
Fees
$1,489Fees
VA Loans
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume309
Mix5.9%
Spread
-0.258%Below
Fees
$1,721Fees
USDA Loans
Overall
Exceptional
Product
Exceptional
Pricing
Exceptional
Pull Through
Strong
Volume489
Mix9.4%
Spread
+0.058%Above
Fees
$1,038Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume4,217
Mix80.7%
Spread
+0.226%Above
Fees
$1,749Fees
Refinance
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume1,008
Mix19.3%
Spread
+0.258%Above
Fees
$2,528Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
5,225
Applications
6,948
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.234%
vs. market APOR
Avg Net Fees
$1,956
Origination − Credits
Pullthrough Rate
75.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$296,820
Avg Borrower Income
$131,988
Avg Property Value
$369,695

Geographic Coverage

Geographic Performance

Metro Areas
37
markets with activity
States Served
17
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

17
17 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
ILINOH
South13
ALARFLGAKYLAMSNCOKSCTNTXVA
West1
CO

Top Metro Areas by Place Specialization Score

1© NASA Astronaut · Public domain
Baton Rouge, LAMetro
Volume 1,452Mix 27.79% of portfolio
100/100
Exceptional
2© Rosserver · CC BY-SA 3.0
Slidell, LAMetro
Volume 354Mix 6.78% of portfolio
100/100
Exceptional
3© thepipe26 · CC BY 2.0
New Orleans, LAMetro
Volume 380Mix 7.27% of portfolio
94/100
Exceptional
4© James Willamor · CC BY-SA 2.0
Mobile, ALMetro
Volume 171Mix 3.27% of portfolio
90/100
Exceptional
5© David Wilson · CC BY 2.0
Hammond, LAMetro
Volume 114Mix 2.18% of portfolio
90/100
Exceptional
6© Gaut.Chris · CC BY-SA 3.0
Houma, LAMetro
Volume 119Mix 2.28% of portfolio
89/100
Exceptional
7© Tichnor Brothers Inc. · Public domain
Lake Charles, LAMetro
Volume 108Mix 2.07% of portfolio
88/100
Exceptional
8© Infrogmation of New Orleans · CC BY-SA 4.0
Lafayette, LAMetro
Volume 190Mix 3.64% of portfolio
85/100
Exceptional
9© Ebyabe · CC BY-SA 3.0
Tallahassee, FLMetro
Volume 150Mix 2.87% of portfolio
84/100
Exceptional
10© Eric in SF · CC BY-SA 3.0
Birmingham, ALMetro
Volume 174Mix 3.33% of portfolio
80/100
Strong
Showing 10 of 37 metro areas

Top States by Place Specialization Score

Louisiana
Louisiana
1
LouisianaState
Volume 3,086Mix 59.06% of portfolio
100/100
Exceptional
Alabama
Alabama
2
AlabamaState
Volume 785Mix 15.02% of portfolio
88/100
Exceptional
Mississippi
Mississippi
3
MississippiState
Volume 339Mix 6.49% of portfolio
78/100
Strong
Illinois
Illinois
4
IllinoisState
Volume 266Mix 5.09% of portfolio
69/100
Strong
Georgia
Georgia
5
GeorgiaState
Volume 160Mix 3.06% of portfolio
62/100
Strong
Arkansas
Arkansas
6
ArkansasState
Volume 92Mix 1.76% of portfolio
61/100
Strong
Texas
Texas
7
TexasState
Volume 201Mix 3.85% of portfolio
60/100
Sound
Florida
Florida
8
FloridaState
Volume 193Mix 3.69% of portfolio
59/100
Sound
Tennessee
Tennessee
9
TennesseeState
Volume 42Mix 0.80% of portfolio
49/100
Sound
South Carolina
South Carolina
10
South CarolinaState
Volume 33Mix 0.63% of portfolio
48/100
Sound
Showing 10 of 11 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.