Geneva Financial
We analyzed every closed loan from Geneva Financial — 4.9k loans across 6k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
USDA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 70 basis points above market average
- Higher than average fees ($4,179)
Explore another lender or local market
Report Card
Geneva Financial performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+69.6 bps above market avg
1/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
2,575 loans · 0.61% above market
Strong
Top 40% of lenders
4/5
FHA
1,756 loans · 0.89% above market
Exceptional
Top 20% of lenders
5/5
VA
381 loans · 0.08% above market
Exceptional
Top 20% of lenders
5/5
Jumbo
26 loans · 0.57% above market
Sound
Top 60% of lenders
3/5
USDA
159 loans · 0.48% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
4,247 loans · 0.71% above market
Exceptional
Top 20% of lenders
5/5
Refinance
650 loans · 0.57% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,575 | 52.6% | +0.611%Above | $3,809Fees | ||||
FHA Loans | 1,756 | 35.9% | +0.890%Above | $4,829Fees | ||||
VA Loans | 381 | 7.8% | +0.084%Above | $3,944Fees | ||||
Jumbo Loans | — | 26 | 0.5% | +0.574%Above | $3,223Fees | |||
USDA Loans | 159 | 3.2% | +0.479%Above | $2,698Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume2,575
Mix52.6%
Spread
+0.611%Above
Fees
$3,809Fees
FHA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughExceptional
Volume1,756
Mix35.9%
Spread
+0.890%Above
Fees
$4,829Fees
VA Loans
OverallStrong
ProductExceptional
PricingMediocre
Pull ThroughExceptional
Volume381
Mix7.8%
Spread
+0.084%Above
Fees
$3,944Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull ThroughAcceptable
Volume26
Mix0.5%
Spread
+0.574%Above
Fees
$3,223Fees
USDA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughExceptional
Volume159
Mix3.2%
Spread
+0.479%Above
Fees
$2,698Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 4,247 | 86.7% | +0.713%Above | $4,180Fees | ||||
Refinance | 650 | 13.3% | +0.569%Above | $4,164Fees |
Purchase
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume4,247
Mix86.7%
Spread
+0.713%Above
Fees
$4,180Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume650
Mix13.3%
Spread
+0.569%Above
Fees
$4,164Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,897
Applications
5,880
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.696%
vs. market APOR
Avg Net Fees
$4,179
Origination − Credits
Pullthrough Rate
83.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$294,498
Avg Borrower Income
$125,954
Avg Property Value
$351,161
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
49
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
49Full-year 2024 · HMDALoans originated
< 2020–5050–100100–200200+None
Northeast8
CTMEMANHNJPARIVT
Midwest11
IAILINKSMIMNMONEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 35 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.