Geo-corp Mortgage Rates, Fees & Info
PLANTATION, FLLEI: 549300P55E0GN57DEV03
Tax ID: 65-0738229
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Mortgage Data
Review & Overview
Geo-corp is a smaller mortgage company specializing in Refi and Home Purchase loans. Geo-corp has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Washington, Los Angeles, Dallas, Atlanta, and Riverside among others. We have data for 54 markets. (Some data included below & more in-depth data is available with an active subscription.)Geo-corp 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. Geo-corp 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 |
|---|---|---|
| 30 Year Conventional Purchase | 6.90% | 12/16/24 |
| 30 Year Conventional Refi | 6.73% | 12/16/24 |
| 30 Year Cash-out Refi | 6.64% | 12/16/24 |
| 30 Year FHA Purchase | 7.49% | 12/16/24 |
| 30 Year VA Purchase | 6.08% | 12/16/24 |
| 30 Year VA Refi | 6.27% | 12/16/24 |
| 15 Year Conventional Purchase | 5.89% | 12/16/24 |
| 15 Year Conventional Refi | 6.03% | 12/16/24 |
| 15 Year Cash-out Refi | 6.03% | 12/16/24 |
| 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. | ||
Geo-corp Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,166Origination Dollar Volume (All Markets)
$376,210,000Awards
GEO-CORP - 2020
GEO-CORP is a 2020 , due to their low .
For 2020, 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 |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 370 | $124,870,000 | $337,486 | $5,033 | 3.10% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 279 | $110,315,000 | $395,394 | $7,044 | 3.43% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 104 | $29,790,000 | $286,442 | $4,551 | 3.11% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 120 | $29,510,000 | $245,917 | $5,404 | 3.48% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 72 | $22,350,000 | $310,417 | $7,126 | 3.53% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 59 | $18,245,000 | $309,237 | $4,697 | 3.26% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 36 | $7,390,000 | $205,278 | $4,961 | 3.57% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 11 | $4,125,000 | $375,000 | $5,988 | 3.48% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 9 | $2,765,000 | $307,222 | $4,089 | 3.24% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 5 | $2,205,000 | $441,000 | $6,057 | 3.33% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $1,820,000 | $455,000 | $4,422 | 2.84% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 9 | $1,775,000 | $197,222 | $5,829 | 3.47% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 7 | $1,705,000 | $243,571 | $5,460 | 3.20% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 8 | $1,530,000 | $191,250 | $7,694 | 3.56% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 7 | $1,395,000 | $199,286 | $6,058 | 3.46% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $6,165 | 3.79% |
| GAINESVILLE, GA (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $6,034 | 3.31% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $4,879 | 3.20% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $4,840 | 3.75% |
| Outside of Metro Areas | 3 | $785,000 | $261,667 | $4,942 | 2.92% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $3,960 | 3.08% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $4,372 | 3.58% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $7,969 | 2.75% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $4,270 | 3.00% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $4,211 | 2.63% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $4,922 | 3.46% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,309 | 3.38% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,471 | 3.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,673 | 3.31% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,086 | 3.06% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,805 | 3.63% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $7,420 | 4.31% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,820 | 2.38% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,473 | 3.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,481 | 2.88% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,212 | 3.25% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,925 | 2.88% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,425 | 3.25% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,106 | 2.63% |
| CHICO, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,802 | 3.75% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,495 | 2.88% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,246 | 2.88% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,821 | 3.13% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,701 | 3.63% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,614 | 3.63% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,492 | 3.50% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,997 | 3.63% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,335 | 3.25% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,518 | 3.63% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,334 | 3.88% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,885 | 3.63% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,033 | 3.00% |
| ROME, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,782 | 4.13% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,621 | 3.50% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,119 | $359,345,000 | $321,130 | $5,394 | 3.30% |
| FHA | 47 | $16,865,000 | $358,830 | $12,136 | 3.17% |
For 2020, Geo-corp's most frequently originated type of loan was Conventional, with 1,119 originations. Their 2nd most popular type was FHA, with 47 originations.
Loan Reason
For 2020, Geo-corp's most frequently cited loan purpose was Refi, with 521 originations. The 2nd most popular reason was Home Purchase, with 443 originations.
Loan Duration/Length
For 2020, Geo-corp's most frequently cited loan duration was 30 Year, with 940 originations. The 2nd most popular length was 15 Year, with 169 originations.
Origination Fees/Closing Costs
Geo-corp's average total fees were $6,013, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 559 originations.
Interest Rates
During 2020, Geo-corp's average interest rate for loans was 3.40%, while their most frequently originated rate bucket for loans was 3-4%, with 591 originations.
Loan Sizing
2020 saw Geo-corp place emphasis on $200k-400k loans with 683 originations, totaling $201,225,000 in origination value.
Applicant Income
Geo-corp lent most frequently to those with incomes in the $50k-75k range, with 333 originations. The second most popular income band? $75k-100k, with 277 originations.
Applicant Debt to Income Ratio
Geo-corp lent most frequently to those with DTI ratios of 30-36%, with 178 originations. The next most common DTI ratio? 20-30%, with 170 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.38%
Geo-corp has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination85.33%
Geo-corp has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,166 | $376,210,000 | $322,650 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 1,166 | $376,210,000 | $322,650 |