General Mortgage Capital Corporation mortgage approval rate & lending review
General Mortgage Capital Corporation decided 9,285 mortgage applications and funded 9,074 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions General Mortgage Capital Corporation reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
General Mortgage Capital Corporation at a glance
Approval is 14.4 points above the 84.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 4,282 / 4,341 | 99% | $505K | 4,246 |
| Cash-out refinance | 97% | 350 / 360 | 99% | $455K | 347 |
| Refinance | 98% | 958 / 976 | 99% | $585K | 951 |
| Investment property purchase | 99% | 2,476 / 2,499 | 99% | $305K | 2,459 |
| Investment cash-out refinance | 98% | 615 / 627 | 98% | $345K | 605 |
| Investment refinance | 98% | 470 / 480 | 99% | $455K | 464 |
General Mortgage Capital Corporation lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 99% | $665K | 3,829 | 3,749 |
| Texas | 99% | $385K | 703 | 686 |
| Washington | 98% | $555K | 692 | 672 |
| North Carolina | 99% | $275K | 654 | 642 |
| Georgia | 99% | $245K | 573 | 568 |
| Massachusetts | 98% | $585K | 487 | 477 |
| Florida | 98% | $305K | 364 | 354 |
| New York | 97% | $455K | 308 | 292 |
| New Jersey | 97% | $495K | 264 | 254 |
| Nevada | 98% | $325K | 258 | 249 |
| Ohio | 99% | $295K | 158 | 155 |
| South Carolina | 99% | $235K | 134 | 133 |
| Illinois | 98% | $305K | 132 | 129 |
| Pennsylvania | 98% | $195K | 125 | 119 |
| Virginia | 100% | $565K | 86 | 86 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where General Mortgage Capital Corporation lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Alameda County, CA | Mortgage lenders | 99% | 244 | 241 |
| King County, WA | Mortgage lenders | 97% | 223 | 216 |
| Santa Clara County, CA | Mortgage lenders | 100% | 215 | 210 |
| Orange County, CA | Mortgage lenders | 99% | 176 | 173 |
| San Mateo County, CA | Mortgage lenders | 100% | 174 | 173 |
| San Francisco County, CA | Mortgage lenders | 99% | 171 | 169 |
| Middlesex County, MA | Mortgage lenders | 99% | 135 | 134 |
| King County, WA | Refinance | 98% | 115 | 113 |
| Wake County, NC | Investment property purchase | 100% | 107 | 106 |
| Contra Costa County, CA | Mortgage lenders | 99% | 106 | 104 |
| Los Angeles County, CA | Investment property purchase | 99% | 96 | 94 |
| Santa Clara County, CA | Refinance | 97% | 96 | 92 |
The county markets where General Mortgage Capital Corporation made the most loans. Each link opens that market with every lender ranked.
Questions about General Mortgage Capital Corporation
What is General Mortgage Capital Corporation's mortgage approval rate?
General Mortgage Capital Corporation approved 98.6% of the 9,285 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.4 points above the 84.2% national rate for the same mix of loan types.
How often do borrowers take the loan General Mortgage Capital Corporation offers?
Borrowers accepted 99% of the loans General Mortgage Capital Corporation approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does General Mortgage Capital Corporation make?
The typical home purchase mortgage loan General Mortgage Capital Corporation made was $505K; across all loan types its typical loan ran from $305K to $585K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does General Mortgage Capital Corporation lend?
General Mortgage Capital Corporation decided applications in 42 of the states Fat Boy Data covers, most of them in California, Texas and Washington.
Can I apply to General Mortgage Capital Corporation directly?
Yes. General Mortgage Capital Corporation reports as a direct lender that takes applications from borrowers.
Does this page show General Mortgage Capital Corporation's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how General Mortgage Capital Corporation treats applications, then get a rate quote from the lender.