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
Promptness
Not enough data
—/5
No quote responses measured yet
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
1/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
2,576 loans · 0.50% above market
Exceptional
Top 20% of lenders
5/5
FHA
1,000 loans · 0.93% above market
Exceptional
Top 20% of lenders
5/5
VA
214 loans · 0.05% above market
Strong
Top 40% of lenders
4/5
USDA
203 loans · 0.89% above market
Exceptional
Top 10% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
3,659 loans · 0.61% above market
Exceptional
Top 20% of lenders
5/5
Refinance
340 loans · 0.38% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 23 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 | 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
13Full-year 2024 · HMDALoans originated
< 5050–200200–500500+None
Midwest4
ILINMIOH
South8
ALFLKYNCSCTNTXVA
West1
AZ
Top Metro Areas by Place Specialization Score
Showing 10 of 22 metro areas
Top States by Place Specialization Score
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.