Gcs Mortgage Rates, Fees & Info
Granite City, ILLEI: 549300A03BP6F4DI7N56
Tax ID: 37-0646488
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Mortgage Data
Review & Overview
Gcs is a smaller mortgage company specializing in Cash Out Refi, Home Purchase, and Refi loans. Gcs has a high proportion of conventional loans. Their top two markets are St. Louis and Knoxville .Gcs has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
143Origination Dollar Volume (All Markets)
$14,485,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 141 | $14,035,000 | $99,539 | $0 | 0.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $105,000 | $105,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 143 | $14,485,000 | $101,294 | $0 | 0.00% |
For 2024, Gcs's most frequently originated type of loan was Conventional, with 143 originations.
Loan Reason
For 2024, Gcs's most frequently cited loan purpose was Cash Out Refi, with 72 originations. The 2nd most popular reason was Home Purchase, with 34 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 143 | $14,485,000 | $101,294 | $0 | 0.00% |
For 2024, Gcs's most frequently cited loan duration was Other, with 143 originations.
Loan Sizing
2024 saw Gcs place emphasis on $100,000 or less loans with 96 originations, totaling $5,070,000 in origination value.
Applicant Income
Gcs lent most frequently to those with incomes in the $100k-150k range, with 46 originations. The second most popular income band? $50k-75k, with 33 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 143 | $14,485,000 | $101,294 | $0 | 0.00% |
Gcs lent most frequently to those with DTI ratios of Exempt%, with 143 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.83%
Gcs has an average approval rate.
Pick Rate
Approvals leading to origination72.03%
Gcs has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 143 | $14,485,000 | $101,294 |