General Mortgage Capital Corporation
We analyzed every closed loan from General Mortgage Capital Corporation — 2.4k loans across 3k 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
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
National · 41 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
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Report Card
General Mortgage Capital Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+9.2 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,337 loans · 0.08% above market
Strong
Top 40% of lenders
4/5
Jumbo
85 loans · 0.47% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,014 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
Refinance
408 loans · 0.07% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 42 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,337 | 96.5% | +0.077%Above | $1,960Fees | ||||
Jumbo Loans | 85 | 3.5% | +0.465%Above | $558Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume2,337
Mix96.5%
Spread
+0.077%Above
Fees
$1,960Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume85
Mix3.5%
Spread
+0.465%Above
Fees
$558Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,014 | 83.2% | +0.096%Above | $2,260Fees | ||||
Refinance | 408 | 16.8% | +0.069%Above | $27Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume2,014
Mix83.2%
Spread
+0.096%Above
Fees
$2,260Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume408
Mix16.8%
Spread
+0.069%Above
Fees
$27Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,422
Applications
3,055
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.092%
vs. market APOR
Avg Net Fees
$1,909
Origination − Credits
Pullthrough Rate
79.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$503,770
Avg Borrower Income
$232,647
Avg Property Value
$821,495
Geographic Coverage
Geographic Performance
Metro Areas
41
markets with activity
States Served
41
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
41Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast7
CTMANHNJNYPARI
Midwest10
IAILINKSMIMNMONEOHWI
South15
ALARDCDEFLGAKYMDNCOKSCTNTXVAWV
West9
AZCACOHINMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 41 metro areas
Top States by Place Specialization Score
Showing 10 of 20 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.