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GVC MORTGAGE, INC.
Independent Mortgage Company|Pendleton, IN|Multi-Region
Loans Originated
3,999
Applications
4,903
Volume
$961 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Exceptional
Pricing and Pullthrough Overview
Average Rate Spread
+0.583%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,167
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
81.6%
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
Things to Think About
- Rates typically 58 basis points above market average
Report Card
GVC MORTGAGE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
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 · 23 metro areas · 13 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$240,394
Average Borrower Income
$101,729
Average Property Value
$284,667
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 2,576 | 64.4% | +0.504% | $3,149 |
FHA Loans | Sound | Exceptional | Mediocre | Exceptional | 1,000 | 25.0% | +0.934% | $3,471 |
VA Loans | Sound | Strong | Acceptable | Exceptional | 214 | 5.4% | +0.053% | $2,435 |
USDA Loans | Sound | Exceptional | Mediocre | Strong | 203 | 5.1% | +0.885% | $2,482 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Mediocre | Strong | 3,659 | 91.5% | +0.606% | $3,189 |
Refinance | Sound | Strong | Acceptable | Strong | 340 | 8.5% | +0.379% | $2,966 |
Geographic Coverage
Metro Areas
22
States Served
13
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALAZFLILINKYMINCOHSCTNTXVA
Top Metro Areas by Place Specialization Score
1
Indianapolis, INMSA
Volume: 1,693Mix: 42.34%
Place Specialization
Exceptional
2
Kokomo, IN, INMSA
Volume: 112Mix: 2.80%
Place Specialization
Exceptional
3
Muncie, IN, INMSA
Volume: 87Mix: 2.18%
Place Specialization
Exceptional
4
Fort Wayne, IN, INMSA
Volume: 257Mix: 6.43%
Place Specialization
Exceptional
5
Columbus, IN, INMSA
Volume: 79Mix: 1.98%
Place Specialization
Strong
6
Canton, OHMSA
Volume: 116Mix: 2.90%
Place Specialization
Strong
7
Battle Creek, MI, MIMSA
Volume: 58Mix: 1.45%
Place Specialization
Strong
8
Kingsport, TN-VAMSA
Volume: 92Mix: 2.30%
Place Specialization
Strong
9
Kalamazoo, MIMSA
Volume: 64Mix: 1.60%
Place Specialization
Strong
10
Toledo, OH, OHMSA
Volume: 55Mix: 1.38%
Place Specialization
Strong
Showing 10 of 22 metro areas
Top States by Place Specialization Score
1
INState
Volume: 3,045Mix: 76.14%
Place Specialization
Exceptional
2
MIState
Volume: 441Mix: 11.03%
Place Specialization
Strong
3
OHState
Volume: 248Mix: 6.20%
Place Specialization
Strong
4
TNState
Volume: 160Mix: 4.00%
Place Specialization
Strong
5
VAState
Volume: 51Mix: 1.28%
Place Specialization
Sound
6
FLState
Volume: 29Mix: 0.73%
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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