Geneva Financial, LLC: 2025 mortgage rates, costs & approvals
How Geneva Financial, LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: GENEVA FINANCIAL, LLC · LEI 5493001XKL0FTNOJ0866
In 2025, Geneva Financial, LLC originated 4,162 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 47 states — 156th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.875% (all lenders: 6.625%); its median rate spread was 39 basis points above the national median. Median conventional loan costs were $6,330, 14% higher than the national median ($5,570).
It denied 2.8% of completed home-purchase applications (all lenders: 8.5%).
How Geneva Financial, LLC priced home-purchase loans
| Purchase loans, 2025 | Geneva Financial, LLC | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.875% | 6.625% |
| 30-year fixed rate · FHA | 6.625% | 6.250% |
| 30-year fixed rate · VA | 6.750% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.53 pts | +0.13 pts |
| Total loan costs · conventional | $6,330 | $5,570 |
| Total loan costs · FHA | $11,970 | $11,310 |
| Total loan costs · VA | $5,380 | $6,490 |
| Origination charges (all types) | $3,520 | $1,860 |
| Borrowers paying discount points | 74.8% | 51.3% |
| Points paid, when paid (% of loan) | 1.22% | 0.87% |
| Borrowers receiving lender credits | 32.4% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Geneva Financial, LLC denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Geneva Financial, LLC lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Arizona | 555 | 575 | 3.2% | 6.875% | $8,320 |
| Missouri | 489 | 504 | 1.9% | 6.750% | $4,330 |
| Texas | 311 | 318 | 1.4% | 6.875% | $8,450 |
| Florida | 272 | 291 | 5.1% | 7.000% | $8,530 |
| Indiana | 260 | 262 | 0.4% | 6.625% | $3,730 |
| Georgia | 214 | 225 | 3.7% | 6.500% | $7,990 |
| Ohio | 204 | 212 | 3.8% | 6.875% | $6,220 |
| Illinois | 167 | 175 | 5.2% | 7.000% | $7,800 |
| Louisiana | 143 | 149 | 3.4% | — | — |
| New Mexico | 124 | 128 | 1.9% | 6.750% | $4,840 |
| Oklahoma | 103 | 110 | 3.9% | 7.000% | $4,830 |
| Kansas | 94 | 95 | 0.0% | 6.750% | $3,760 |
| Nevada | 86 | 87 | 1.4% | 6.750% | $8,950 |
| California | 82 | 85 | 4.7% | 7.125% | $7,190 |
| Washington | 80 | 84 | 2.9% | 7.000% | $6,790 |
| Kentucky | 77 | 80 | 1.3% | 6.625% | $5,310 |
| Maryland | 77 | 80 | 3.0% | 6.875% | $6,890 |
| New Jersey | 75 | 81 | 4.5% | 6.625% | $13,030 |
| Alabama | 73 | 75 | 3.0% | — | — |
| Michigan | 69 | 72 | 3.1% | 6.750% | $4,640 |
| Mississippi | 67 | 75 | 8.3% | — | — |
| South Carolina | 67 | 68 | 1.6% | — | — |
| Massachusetts | 57 | 58 | 2.0% | 7.000% | $7,620 |
| Arkansas | 51 | 53 | 2.4% | — | — |
| Wyoming | 51 | 52 | 2.0% | — | — |
| Colorado | 42 | 47 | 2.4% | 6.750% | $8,880 |
| Alaska | 39 | 39 | 0.0% | — | — |
| Virginia | 35 | 38 | 6.5% | — | — |
| Pennsylvania | 31 | 32 | 0.0% | — | — |
| Idaho | 27 | 27 | 0.0% | — | — |
| Tennessee | 21 | 21 | — | — | — |
| Wisconsin | 20 | 21 | — | — | — |
| Maine | 19 | 19 | — | — | — |
| Oregon | 19 | 19 | — | — | — |
| Minnesota | 12 | 12 | — | — | — |
| North Carolina | 12 | 12 | — | — | — |
| Rhode Island | 6 | 8 | — | — | — |
| New Hampshire | 6 | 6 | — | — | — |
| Connecticut | 5 | 5 | — | — | — |
| Iowa | 5 | 5 | — | — | — |
| Nebraska | 4 | 4 | — | — | — |
| Hawaii | 3 | 3 | — | — | — |
| District of Columbia | 2 | 2 | — | — | — |
| Utah | 2 | 2 | — | — | — |
| Vermont | 2 | 2 | — | — | — |
| Montana | 1 | 1 | — | — | — |
| South Dakota | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Geneva Financial, LLC's page for that state.
Counties where Geneva Financial, LLC is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bethel Census Area, AK | 1 | 11 | 33.3% |
| Yukon-Koyukuk Census Area, AK | 1 | 1 | 25.0% |
| Lea County, NM | 2 | 69 | 13.1% |
| Adair County, MO | 3 | 28 | 10.9% |
| Sullivan County, MO | 2 | 2 | 8.7% |
| North Slope Borough, AK | 4 | 1 | 8.3% |
| Sutton County, TX | 2 | 1 | 6.7% |
| Montgomery County, GA | 3 | 3 | 6.3% |
| Clay County, GA | 3 | 1 | 6.3% |
| Franklin County, KS | 3 | 28 | 6.2% |
| Ohio County, IN | 5 | 4 | 6.2% |
| Jefferson County, IN | 4 | 25 | 5.8% |
| Adair County, OK | 4 | 7 | 5.7% |
| Anderson County, KS | 3 | 4 | 5.1% |
| Putnam County, MO | 4 | 1 | 5.0% |
Check Geneva Financial, LLC yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493001XKL0FTNOJ0866.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Geneva Financial, LLC with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology