Geneva Financial Mortgage Rates, Fees & Info
ORO VALLEY, AZLEI: 5493001XKL0FTNOJ0866
Tax ID: 26-1589507
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Mortgage Data
Review & Overview
Geneva Financial is a smaller mortgage company specializing in Home Purchase loans. Geneva Financial has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Phoenix, Miami, Seattle, Portland, and Dallas among others. We have data for 198 markets. (Some data included below & more in-depth data is available with an active subscription.)Geneva Financial 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. Geneva Financial is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.74% | 12/17/24 |
| 30 Year Conventional Purchase | 6.78% | 12/17/24 |
| 30 Year Conventional Refi | 6.85% | 12/17/24 |
| 30 Year Cash-out Refi | 7.09% | 12/17/24 |
| 30 Year FHA Purchase | 7.74% | 12/17/24 |
| 30 Year FHA Refi | 7.55% | 12/17/24 |
| 30 Year VA Purchase | 6.60% | 12/17/24 |
| 30 Year VA Refi | 6.10% | 12/17/24 |
| 30 Year USDA Purchase | 7.08% | 12/17/24 |
| 30 Year USDA Refi | 6.27% | 12/17/24 |
| 15 Year Conventional Purchase | 6.38% | 12/17/24 |
| 15 Year Conventional Refi | 6.38% | 12/17/24 |
| 15 Year Cash-out Refi | 6.38% | 12/17/24 |
| 15 Year FHA Refi | 7.19% | 12/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Geneva Financial Mortgage Calculator
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This is not an official calculator from Geneva Financial. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,789Origination Dollar Volume (All Markets)
$609,895,000Awards
GENEVA FINANCIAL - 2018
GENEVA FINANCIAL is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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Top 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 |
|---|---|---|---|---|---|
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 452 | $104,560,000 | $231,327 | $5,969 | 5.09% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 241 | $60,595,000 | $251,432 | $7,967 | 5.10% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 114 | $40,360,000 | $354,035 | $8,267 | 5.05% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 76 | $23,130,000 | $304,342 | $7,419 | 4.96% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 95 | $21,255,000 | $223,737 | $7,651 | 5.12% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 59 | $20,635,000 | $349,746 | $4,925 | 4.75% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 72 | $20,260,000 | $281,389 | $5,387 | 5.09% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 89 | $17,985,000 | $202,079 | $6,384 | 5.09% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 75 | $11,985,000 | $159,800 | $5,947 | 5.07% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 77 | $11,015,000 | $143,052 | $6,227 | 5.50% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 38 | $10,300,000 | $271,053 | $6,059 | 5.33% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 56 | $9,000,000 | $160,714 | $6,094 | 5.57% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 46 | $8,680,000 | $188,696 | $6,663 | 5.23% |
| RICHMOND, VA (FHA|USDA|VA) | 47 | $8,595,000 | $182,872 | $6,028 | 5.25% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 28 | $8,010,000 | $286,071 | $6,219 | 5.31% |
| BOISE CITY, ID (FHA|USDA|VA) | 41 | $7,565,000 | $184,512 | $5,403 | 4.92% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 32 | $7,000,000 | $218,750 | $6,077 | 5.01% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 26 | $6,970,000 | $268,077 | $9,824 | 4.96% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 22 | $6,770,000 | $307,727 | $7,112 | 4.86% |
| Outside of Metro Areas | 42 | $6,530,000 | $155,476 | $4,517 | 5.04% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 39 | $6,395,000 | $163,974 | $5,372 | 5.31% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 27 | $6,075,000 | $225,000 | $5,078 | 5.13% |
| Madison, IN (FHA|USDA|VA) | 54 | $6,050,000 | $112,037 | $4,491 | 4.90% |
| NAPA, CA (FHA|USDA|VA) | 13 | $5,955,000 | $458,077 | $7,142 | 4.74% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 32 | $5,770,000 | $180,313 | $5,733 | 5.59% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 26 | $5,670,000 | $218,077 | $7,615 | 5.13% |
| PROVO-OREM, UT (FHA|USDA|VA) | 20 | $5,420,000 | $271,000 | $7,698 | 4.97% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 31 | $5,285,000 | $170,484 | $5,869 | 4.99% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 36 | $5,140,000 | $142,778 | $5,453 | 5.26% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 27 | $4,915,000 | $182,037 | $6,671 | 5.19% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 11 | $4,705,000 | $427,727 | $12,795 | 5.05% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 9 | $4,505,000 | $500,556 | $13,554 | 5.11% |
| Payson, AZ (FHA|USDA|VA) | 31 | $4,385,000 | $141,452 | $6,403 | 4.92% |
| TUCSON, AZ (FHA|USDA|VA) | 20 | $4,320,000 | $216,000 | $6,465 | 4.87% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 25 | $4,225,000 | $169,000 | $3,840 | 5.18% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 23 | $4,055,000 | $176,304 | $7,309 | 5.27% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 10 | $3,870,000 | $387,000 | $7,364 | 4.95% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 16 | $3,340,000 | $208,750 | $5,202 | 5.40% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 26 | $3,240,000 | $124,615 | $4,549 | 5.29% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 8 | $3,170,000 | $396,250 | $5,297 | 5.22% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 20 | $3,130,000 | $156,500 | $5,659 | 5.19% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 16 | $3,000,000 | $187,500 | $6,452 | 5.08% |
| Breckenridge, CO (FHA|USDA|VA) | 9 | $2,925,000 | $325,000 | $3,945 | 4.81% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 17 | $2,745,000 | $161,471 | $4,466 | 5.01% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 10 | $2,740,000 | $274,000 | $5,293 | 5.08% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 28 | $2,600,000 | $92,857 | $5,269 | 5.59% |
| VALLEJO, CA (FHA|USDA|VA) | 7 | $2,515,000 | $359,286 | $7,975 | 5.27% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 27 | $2,365,000 | $87,593 | $5,245 | 5.82% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 13 | $2,195,000 | $168,846 | $5,909 | 5.09% |
| Ellensburg, WA (FHA|USDA|VA) | 7 | $2,155,000 | $307,857 | $7,237 | 5.09% |
| Show Low, AZ (FHA|USDA|VA) | 8 | $2,030,000 | $253,750 | $6,926 | 4.95% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 20 | $2,020,000 | $101,000 | $5,855 | 5.86% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 7 | $1,965,000 | $280,714 | $5,341 | 4.96% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 11 | $1,905,000 | $173,182 | $5,901 | 5.11% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 10 | $1,810,000 | $181,000 | $5,973 | 5.79% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $1,725,000 | $1,725,000 | $44,030 | 5.50% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 5 | $1,665,000 | $333,000 | $8,784 | 5.03% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 5 | $1,555,000 | $311,000 | $5,259 | 4.75% |
| SALEM, OR (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $6,922 | 5.88% |
| FRESNO, CA (FHA|USDA|VA) | 6 | $1,430,000 | $238,333 | $7,115 | 5.44% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 9 | $1,385,000 | $153,889 | $5,799 | 5.44% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $4,462 | 4.90% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 7 | $1,295,000 | $185,000 | $6,366 | 5.08% |
| Shelton, WA (FHA|USDA|VA) | 7 | $1,235,000 | $176,429 | $6,374 | 5.21% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 7 | $1,235,000 | $176,429 | $4,068 | 5.43% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 10 | $1,230,000 | $123,000 | $4,640 | 5.28% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 9 | $1,225,000 | $136,111 | $5,759 | 5.44% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $7,042 | 4.94% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $6,445 | 5.50% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $7,520 | 5.13% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 7 | $1,115,000 | $159,286 | $5,113 | 5.21% |
| COLUMBIA, SC (FHA|USDA|VA) | 6 | $970,000 | $161,667 | $4,997 | 5.75% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $9,473 | 5.41% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $16,629 | 6.18% |
| ST. CLOUD, MN (FHA|USDA|VA) | 7 | $945,000 | $135,000 | $5,410 | 5.21% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 7 | $945,000 | $135,000 | $6,986 | 5.63% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 9 | $935,000 | $103,889 | $5,553 | 6.21% |
| Okeechobee, FL (FHA|USDA|VA) | 7 | $935,000 | $133,571 | $4,976 | 5.55% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $8,387 | 4.91% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $895,000 | $895,000 | $14,278 | 4.50% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 8 | $840,000 | $105,000 | $4,368 | 5.63% |
| LOUISVILLE, KY (FHA|USDA|VA) | 6 | $780,000 | $130,000 | $4,181 | 4.83% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $3,338 | 4.63% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 6 | $740,000 | $123,333 | $5,206 | 5.08% |
| MONTGOMERY, AL (FHA|USDA|VA) | 9 | $715,000 | $79,444 | $4,957 | 5.61% |
| Ontario, OR-ID (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $4,364 | 4.78% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $5,868 | 4.81% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $5,249 | 5.63% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $4,730 | 5.38% |
| Fernley, NV (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $3,628 | 5.38% |
| BEND, OR (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $4,442 | 4.94% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $4,334 | 5.94% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $6,228 | 4.97% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $6,627 | 5.31% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $5,805 | 5.06% |
| North Vernon, IN (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $4,653 | 4.91% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $10,611 | 5.25% |
| Newport, OR (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $15,745 | 6.88% |
| Cañon City, CO (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $5,060 | 5.13% |
| COLUMBUS, OH (FHA|USDA|VA) | 5 | $545,000 | $109,000 | $6,493 | 5.99% |
| Durango, CO (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $5,032 | 4.63% |
| CARSON CITY, NV (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,580 | 5.25% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $5,567 | 4.38% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 5 | $495,000 | $99,000 | $4,890 | 5.03% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $4,699 | 4.96% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $5,494 | 5.03% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $4,481 | 5.71% |
| Heber, UT (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,315 | 4.63% |
| Rexburg, ID (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $3,882 | 5.33% |
| Key West, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $6,502 | 5.38% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $6,117 | 5.21% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $12,658 | 5.13% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $6,346 | 4.81% |
| Shelby, NC (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $5,396 | 4.58% |
| RENO, NV (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,651 | 4.50% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $10,083 | 5.06% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,647 | 4.56% |
| Safford, AZ (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,970 | 5.00% |
| Cedar City, UT (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $3,958 | 6.00% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,505 | 4.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,102 | 5.56% |
| Moses Lake, WA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $6,523 | 5.19% |
| LAREDO, TX (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,307 | 4.56% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 4 | $300,000 | $75,000 | $5,069 | 5.31% |
| ROME, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,142 | 5.50% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $14,128 | 5.75% |
| FORT WAYNE, IN (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $6,396 | 5.03% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,132 | 5.88% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,134 | 5.00% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $6,364 | 5.00% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,073 | 5.00% |
| Outside of Metro Areas | 1 | $265,000 | $265,000 | $3,445 | 5.25% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $12,495 | 4.38% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,645 | 5.56% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,406 | 6.69% |
| Centralia, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 4.88% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,871 | 5.13% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,606 | 5.38% |
| Newberry, SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,465 | 5.38% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $6,592 | 6.38% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $6,468 | 5.50% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,774 | 5.63% |
| Malvern, AR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,040 | 5.00% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,663 | 4.50% |
| TYLER, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,105 | 5.50% |
| Albertville, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,706 | 4.88% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,475 | 5.38% |
| Moscow, ID (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,627 | 5.38% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,496 | 5.88% |
| OCALA, FL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $5,598 | 5.63% |
| Lewisburg, TN (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,227 | 5.13% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,167 | 5.00% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,302 | 5.38% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,347 | 5.25% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $12,354 | 5.00% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,762 | 4.38% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $5,265 | 5.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,099 | 4.88% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,924 | 5.75% |
| Peru, IN (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,247 | 4.88% |
| Burley, ID (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,697 | 5.13% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,762 | 4.50% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,516 | 5.13% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,842 | 4.75% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,344 | 5.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,132 | 5.75% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,949 | 4.25% |
| READING, PA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $5,655 | 5.50% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,594 | 5.25% |
| Pella, IA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,521 | 5.25% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,782 | 4.50% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,062 | 4.75% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 6.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,867 | 5.50% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,640 | 4.88% |
| Minden, LA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,506 | 4.88% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,366 | 5.00% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,360 | 5.13% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,983 | 5.25% |
| WACO, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,043 | 5.25% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,323 | 5.75% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,839 | 4.88% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,406 | 6.25% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,236 | 5.50% |
| Cullman, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,928 | 5.25% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,715 | 4.63% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,471 | 4.50% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,922 | 5.13% |
| Uvalde, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,488 | 5.75% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,948 | 6.00% |
| Greenville, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,183 | 5.38% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,836 | 5.00% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,518 | 4.75% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,697 | 10.00% |
| FLINT, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,909 | 4.75% |
| AKRON, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,543 | 5.25% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,705 | 6.00% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $2,637 | 6.00% |
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Product Mix
For 2018, Geneva Financial's most frequently originated type of loan was Conventional, with 1,778 originations. Their 2nd most popular type was FHA, with 751 originations.
Loan Reason
For 2018, Geneva Financial's most frequently cited loan purpose was Home Purchase, with 2,327 originations. The 2nd most popular reason was Cash Out Refi, with 211 originations.
Loan Duration/Length
For 2018, Geneva Financial's most frequently cited loan duration was 30 Year, with 2,588 originations. The 2nd most popular length was Other, with 82 originations.
Origination Fees/Closing Costs
Geneva Financial's average total fees were $6,484, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,166 originations.
Interest Rates
During 2018, Geneva Financial's average interest rate for loans was 5.16%, while their most frequently originated rate bucket for loans was 4-5%, with 1,330 originations.
Loan Sizing
2018 saw Geneva Financial place emphasis on $200k-400k loans with 1,164 originations, totaling $322,470,000 in origination value.
Applicant Income
Geneva Financial lent most frequently to those with incomes in the $50k-75k range, with 783 originations. The second most popular income band? $50k or less, with 609 originations.
Applicant Debt to Income Ratio
Geneva Financial lent most frequently to those with DTI ratios of 30-36%, with 424 originations. The next most common DTI ratio? 20-30%, with 356 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.19%
Geneva Financial has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination55.18%
Geneva Financial has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 100.0 | 1 | $105,000 | $105,000 |
| 1495.0 | 1 | $155,000 | $155,000 |
| NA | 2,787 | $609,635,000 | $218,742 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 20 | $3,100,000 | $155,000 |
| Single Family (1-4 Units):Site-Built | 2,769 | $606,795,000 | $219,139 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Geneva Financial, LLC, Chandler, AZ Branch | FHA mortgage | Closing on a mortgage | 1 | 100.0% |