Genway Home Mortgage, Inc.: 2025 mortgage rates, costs & approvals
How Genway Home Mortgage, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: GENWAY HOME MORTGAGE, INC. · LEI 5493008ZTV4S0W9DCX64
In 2025, Genway Home Mortgage, Inc. originated 786 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 44 states — 555th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 7.50% (all lenders: 6.625%); its median rate spread was 109 basis points above the national median. Median conventional loan costs were $17,040, 206% higher than the national median ($5,570).
It denied 49.4% of completed home-purchase applications (all lenders: 8.5%).
How Genway Home Mortgage, Inc. priced home-purchase loans
| Purchase loans, 2025 | Genway Home Mortgage, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 7.500% | 6.625% |
| 30-year fixed rate · FHA | 6.875% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +1.23 pts | +0.13 pts |
| Total loan costs · conventional | $17,040 | $5,570 |
| Total loan costs · FHA | $14,940 | $11,310 |
| Total loan costs · VA | $7,580 | $6,490 |
| Origination charges (all types) | $6,050 | $1,860 |
| Borrowers paying discount points | 49.6% | 51.3% |
| Points paid, when paid (% of loan) | 0.75% | 0.87% |
| Borrowers receiving lender credits | 55.8% | 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 Genway Home Mortgage, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Genway Home Mortgage, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 271 | 534 | 47.2% | 7.375% | $18,590 |
| Texas | 90 | 188 | 47.9% | — | — |
| Florida | 87 | 186 | 52.2% | — | — |
| Georgia | 34 | 85 | 60.0% | — | — |
| Arizona | 30 | 64 | 50.0% | — | — |
| Washington | 26 | 45 | 38.9% | — | — |
| Maryland | 24 | 43 | 45.7% | — | — |
| Nevada | 19 | 35 | 35.7% | — | — |
| Tennessee | 18 | 23 | 14.3% | — | — |
| Illinois | 15 | 40 | 52.9% | — | — |
| Oklahoma | 15 | 21 | — | — | — |
| Alabama | 11 | 25 | 54.5% | — | — |
| South Carolina | 11 | 24 | 52.4% | — | — |
| Oregon | 11 | 20 | — | — | — |
| Louisiana | 10 | 32 | 68.8% | — | — |
| Michigan | 10 | 22 | 60.0% | — | — |
| Virginia | 9 | 25 | 66.7% | — | — |
| Colorado | 9 | 18 | — | — | — |
| North Carolina | 7 | 14 | — | — | — |
| Ohio | 6 | 16 | — | — | — |
| Utah | 6 | 10 | — | — | — |
| Kentucky | 6 | 9 | — | — | — |
| Mississippi | 6 | 9 | — | — | — |
| Indiana | 5 | 11 | — | — | — |
| Kansas | 5 | 10 | — | — | — |
| Pennsylvania | 5 | 10 | — | — | — |
| Wisconsin | 5 | 7 | — | — | — |
| Massachusetts | 5 | 5 | — | — | — |
| New Jersey | 4 | 15 | — | — | — |
| Arkansas | 4 | 11 | — | — | — |
| Missouri | 4 | 11 | — | — | — |
| Hawaii | 4 | 8 | — | — | — |
| Minnesota | 3 | 6 | — | — | — |
| New Mexico | 3 | 4 | — | — | — |
| Connecticut | 1 | 3 | — | — | — |
| Delaware | 1 | 3 | — | — | — |
| Alaska | 1 | 2 | — | — | — |
| Idaho | 1 | 2 | — | — | — |
| Maine | 1 | 1 | — | — | — |
| Montana | 1 | 1 | — | — | — |
| North Dakota | 1 | 1 | — | — | — |
| New Hampshire | 1 | 1 | — | — | — |
| Iowa | 0 | 2 | — | — | — |
| District of Columbia | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Genway Home Mortgage, Inc.'s page for that state.
Counties where Genway Home Mortgage, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Nowata County, OK | 20 | 1 | 1.6% |
| Adams County, MS | 25 | 2 | 1.0% |
| Perry County, KY | 25 | 1 | 1.0% |
| Hempstead County, AR | 25 | 1 | 0.7% |
Check Genway Home Mortgage, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493008ZTV4S0W9DCX64.
- 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 Genway Home Mortgage, Inc. 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