General Mortgage Capital Corporation
Burlingame, CA · What the federal mortgage record shows about how General Mortgage Capital Corporation treated New Jersey applicants, 2018–2025 — 261 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 261 New Jersey applications General Mortgage Capital Corporation approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, General Mortgage Capital Corporation’s rates ran -0.32 pp lower than the typical New Jersey lender (average rate spread -0.10 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who General Mortgage Capital Corporation approves
Why General Mortgage Capital Corporation denied applications
Where General Mortgage Capital Corporation lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Middlesex County | 57 | 94.7% |
| Bergen County | 42 | 100.0% |
| Somerset County | 33 | 100.0% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on General Mortgage Capital Corporation’s home-purchase originations — 0.53 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $500. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Consumer complaints
Complaints New Jersey mortgage customers filed against General Mortgage Capital Corporation with the federal Consumer Financial Protection Bureau, 2022–present. Most common issue: Trouble during payment process. Most mortgage complaints concern servicing — payments, escrow, and foreclosure — so this reflects a company’s customer experience as much as its lending, and volume partly tracks how many loans it services. Source: CFPB Consumer Complaint Database.
Compare General Mortgage Capital Corporation to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by General Mortgage Capital Corporation (LEI 254900VELJPWWT51WN03). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →