Lenders › General Mortgage Capital Corporation › California
General Mortgage Capital Corporation in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
General Mortgage Capital Corporation's 2024 HMDA record for California covers 1,692 applications, 1,324 of them originated, worth $869m.
Its denial rate in the state was 1.4%, below the California rate of 24.8% across all lenders and compared with the lender's national rate of 1.6%.
The median rate spread on its California originations was 0.1 percentage points (state median 0.4).
Applications in the state were up 59% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | General Mortgage Capital Corporation, all states | United States |
|---|---|---|---|---|
| Denial rate | 1.4% | 24.8% | 1.6% | 24.3% |
| Median rate spread, pp | 0.1 | 0.4 | 0.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.0% | 19.9% | 1.6% | 15.6% |
| Average originated loan | $656k | $566k | $493k | $329k |
| Home purchase share | 72.6% | 51.2% | 81.5% | 57.0% |
| FHA-insured share | 0.0% | 11.4% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.8% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 73% (961)Refinancing 17% (230)Cash-out refinancing 10% (133)
By type
Conventional 100% (1,324)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 302 | 241 | $146m | 0.4% |
| Santa Clara County | 219 | 164 | $137m | 2.4% |
| Alameda County | 200 | 150 | $98m | 3.8% |
| Orange County | 165 | 135 | $108m | 1.4% |
| San Mateo County | 134 | 108 | $90m | 0.9% |
| Sacramento County | 111 | 90 | $34m | 2.1% |
| San Francisco County | 105 | 82 | $58m | 0.0% |
| San Bernardino County | 100 | 78 | $38m | 1.3% |
| Contra Costa County | 95 | 78 | $49m | 0.0% |
| Riverside County | 50 | 40 | $20m | 0.0% |
| San Diego County | 51 | 39 | $25m | 2.5% |
| San Joaquin County | 45 | 33 | $17m | 2.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did General Mortgage Capital Corporation originate in California in 2024?
1,324 loans totalling $869m, from 1,692 applications reported for properties in California.
What is General Mortgage Capital Corporation's denial rate in California?
1.4% of decided applications in California were denied, against 24.8% for all lenders in the state and 1.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does General Mortgage Capital Corporation lend in most?
By originations: Los Angeles County (241), Santa Clara County (164), Alameda County (150), Orange County (135), San Mateo County (108).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.