We analyzed every closed loan from GVC Mortgage — 4.0k 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
Mediocre
1/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 22 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
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
Things to Think About
- Rates typically 58 basis points above market average
Explore another lender or local market
Report Card
GVC Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+58.3 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
Strong
Top 40% of lenders
USDA
Exceptional
Top 10% 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 · 23 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 | 2,576 | 64.4% | +0.504%Above | $3,149Fees | ||||
FHA Loans | 1,000 | 25.0% | +0.934%Above | $3,471Fees | ||||
VA Loans | 214 | 5.4% | +0.053%Above | $2,435Fees | ||||
USDA Loans | 203 | 5.1% | +0.885%Above | $2,482Fees |
Conventional
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume2,576
Mix64.4%
Spread
+0.504%Above
Fees
$3,149Fees
FHA Loans
OverallStrong
ProductExceptional
PricingMediocre
Pull ThroughExceptional
Volume1,000
Mix25.0%
Spread
+0.934%Above
Fees
$3,471Fees
VA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume214
Mix5.4%
Spread
+0.053%Above
Fees
$2,435Fees
USDA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume203
Mix5.1%
Spread
+0.885%Above
Fees
$2,482Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,659 | 91.5% | +0.606%Above | $3,189Fees | ||||
Refinance | 340 | 8.5% | +0.379%Above | $2,966Fees |
Purchase
OverallStrong
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume3,659
Mix91.5%
Spread
+0.606%Above
Fees
$3,189Fees
Refinance
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume340
Mix8.5%
Spread
+0.379%Above
Fees
$2,966Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,999
Applications
4,903
Volume
$961 million
Pricing & Closing
Avg Rate Spread
+0.583%
vs. market APOR
Avg Net Fees
$3,167
Origination − Credits
Pullthrough Rate
81.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$240,394
Avg Borrower Income
$101,729
Avg Property Value
$284,667
Geographic Coverage
Geographic Performance
Metro Areas
22
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
13Midwest4
ILINMIOH
South8
ALFLKYNCSCTNTXVA
West1
AZ
Top Metro Areas by Place Specialization Score
Volume 1,693Mix 42.34% of portfolio
100/100
Exceptional
Volume 112Mix 2.80% of portfolio
98/100
Exceptional
Volume 87Mix 2.18% of portfolio
81/100
Exceptional
Volume 257Mix 6.43% of portfolio
81/100
Exceptional
Volume 79Mix 1.98% of portfolio
80/100
Strong
Volume 116Mix 2.90% of portfolio
77/100
Strong
Volume 58Mix 1.45% of portfolio
75/100
Strong
Volume 92Mix 2.30% of portfolio
70/100
Strong
Volume 64Mix 1.60% of portfolio
66/100
Strong
Volume 55Mix 1.38% of portfolio
65/100
StrongShowing 10 of 22 metro areas
Top States by Place Specialization Score
1
IndianaState
Volume 3,045Mix 76.14% of portfolio
96/100
Exceptional2
MichiganState
Volume 441Mix 11.03% of portfolio
74/100
Strong3
OhioState
Volume 248Mix 6.20% of portfolio
67/100
Strong4
TennesseeState
Volume 160Mix 4.00% of portfolio
65/100
Strong5
VirginiaState
Volume 51Mix 1.28% of portfolio
52/100
Sound6
FloridaState
Volume 29Mix 0.73% of portfolio
40/100
SoundHow 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.