G
We analyzed every closed loan from Gmfs — 5.2k loans across 7k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · USDA
Place
Strong
Multi-Region · 37 mkts
Safe Rate Awards💎USDA Champion⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
Shopping for a Mortgage?
Save Gmfs or ask our AI assistant to explore your options.
Safe Rate's 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
Gmfs LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +23.4 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 20% of lenders | |
USDA | Market Leader Top 5% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Multi-Regional38 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,276 | 62.7% | +0.222%Above | $2,125Fees | ||||
FHA Loans | 1,148 | 22.0% | +0.463%Above | $1,489Fees | ||||
VA Loans | 309 | 5.9% | -0.258%Below | $1,721Fees | ||||
USDA Loans | 489 | 9.4% | +0.058%Above | $1,038Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 4,217 | 80.7% | +0.226%Above | $1,749Fees | ||||
Refinance | 1,008 | 19.3% | +0.258%Above | $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
States Served
17
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARCOFLGAILINKYLAMSNCOHOKSCTNTXVA
Top Metro Areas by Place Specialization Score
1
Baton Rouge, LA, LAMSA
Volume: 1,452Mix: 27.79%of portfolio
Place
Exceptional2
Slidell, LAMSA
Volume: 354Mix: 6.78%of portfolio
Place
Exceptional3
New Orleans, LAMSA
Volume: 380Mix: 7.27%of portfolio
Place
Exceptional4
Mobile, AL, ALMSA
Volume: 171Mix: 3.27%of portfolio
Place
Exceptional5
Hammond, LA, LAMSA
Volume: 114Mix: 2.18%of portfolio
Place
Exceptional6
Houma, LAMSA
Volume: 119Mix: 2.28%of portfolio
Place
Exceptional7
Lake Charles, LA, LAMSA
Volume: 108Mix: 2.07%of portfolio
Place
Exceptional8
Lafayette, LA, LAMSA
Volume: 190Mix: 3.64%of portfolio
Place
Exceptional9
Tallahassee, FL, FLMSA
Volume: 150Mix: 2.87%of portfolio
Place
Exceptional10
Birmingham, AL, ALMSA
Volume: 174Mix: 3.33%of portfolio
Place
StrongShowing 10 of 37 metro areas
Top States by Place Specialization Score
1
LAState
Volume: 3,086Mix: 59.06%of portfolio
Place
Exceptional2
ALState
Volume: 785Mix: 15.02%of portfolio
Place
Exceptional3
MSState
Volume: 339Mix: 6.49%of portfolio
Place
Strong4
ILState
Volume: 266Mix: 5.09%of portfolio
Place
Strong5
GAState
Volume: 160Mix: 3.06%of portfolio
Place
Strong6
ARState
Volume: 92Mix: 1.76%of portfolio
Place
Strong7
TXState
Volume: 201Mix: 3.85%of portfolio
Place
Sound8
FLState
Volume: 193Mix: 3.69%of portfolio
Place
Sound9
TNState
Volume: 42Mix: 0.80%of portfolio
Place
Sound10
SCState
Volume: 33Mix: 0.63%of portfolio
Place
SoundShowing 10 of 11 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.
Looking for a different lender?
Are you the owner of Gmfs LLC?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.