GMFS
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.
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
USDA
Champion
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
Explore another lender or local market
Report Card
GMFS performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+23.4 bps above market avg
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
3,276 loans · 0.22% above market
Exceptional
Top 20% of lenders
5/5
FHA
1,148 loans · 0.46% above market
Exceptional
Top 20% of lenders
5/5
VA
309 loans · 0.26% below market
Exceptional
Top 20% of lenders
5/5
USDA
489 loans · 0.06% above market
Exceptional
Top 5% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
4,217 loans · 0.23% above market
Exceptional
Top 20% of lenders
5/5
Refinance
1,008 loans · 0.26% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 38 markets
Strong
Top 40% of lenders
4/5
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 |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume3,276
Mix62.7%
Spread
+0.222%Above
Fees
$2,125Fees
FHA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume1,148
Mix22.0%
Spread
+0.463%Above
Fees
$1,489Fees
VA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume309
Mix5.9%
Spread
-0.258%Below
Fees
$1,721Fees
USDA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume489
Mix9.4%
Spread
+0.058%Above
Fees
$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 |
Purchase
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume4,217
Mix80.7%
Spread
+0.226%Above
Fees
$1,749Fees
Refinance
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
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
17Full-year 2024 · HMDALoans originated
< 5050–200200–500500+None
Midwest3
ILINOH
South13
ALARFLGAKYLAMSNCOKSCTNTXVA
West1
CO
Top Metro Areas by Place Specialization Score
Showing 10 of 37 metro areas
Top States by Place Specialization Score
Showing 10 of 11 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.