# GENEVA FINANCIAL, LLC

> **Canonical URL:** https://saferate.com/lenders/geneva-financial


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


GENEVA FINANCIAL, LLC is a independent mortgage company, headquartered in ORO VALLEY, AZ, serving borrowers nationwide, with 4,897 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 86% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493001XKL0FTNOJ0866
- **Headquarters:** ORO VALLEY, AZ
- **Geographic Reach:** National
- **States Served:** 49
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 14/100
- Rating: ●○○○○ (1/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.696%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,179
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,897
- **Dollar Volume:** $1.4 billion
- **Applications Received:** 5,880
- **Market Share:** 14.00%

## Typical Borrower Profile

- **Average Loan Amount:** $294,498
- **Average Borrower Income:** $125,954
- **Average Property Value:** $351,161

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **VA Gold Superstar** (62%)
- ⭐ **USDA Gold Superstar** (69%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 2,575 | +0.611% | $3,809 | Strong 😀 |
| FHA | 84/100 | 1,756 | +0.890% | $4,829 | Exceptional 🤩 |
| VA | 80/100 | 381 | +0.084% | $3,944 | Exceptional 🤩 |
| Jumbo | 48/100 | 26 | +0.574% | $3,223 | Sound ☺️ |
| USDA | 89/100 | 159 | +0.479% | $2,698 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,131 loans, Score: 76/100 (Strong)
- Refinance: 444 loans, Score: 70/100 (Strong)

**FHA:**
- Purchase: 1,627 loans, Score: 85/100 (Exceptional)
- Refinance: 129 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 311 loans, Score: 79/100 (Strong)
- Refinance: 70 loans, Score: 79/100 (Strong)

**USDA:**
- Purchase: 159 loans, Score: 89/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 80/100 | 4,247 | $1.3B | +0.713% | Exceptional 🤩 |
| Refinance | 71/100 | 650 | $185M | +0.569% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AZ | 780 | 0.78% | 81/100 |
| MO | 443 | 0.59% | 74/100 |
| FL | 399 | 0.14% | 67/100 |
| TX | 373 | 0.11% | 67/100 |
| IN | 340 | 0.37% | 71/100 |
| KY | 308 | 0.66% | 76/100 |
| OH | 240 | 0.18% | 66/100 |
| IL | 203 | 0.16% | 66/100 |
| CA | 183 | 0.06% | 58/100 |
| GA | 163 | 0.12% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 924 | 76/100 |
| Phoenix | AZ | 539 | 79/100 |
| St. Louis, MO | MO-IL | 238 | 75/100 |
| Chicago | IL | 113 | 61/100 |
| Fort Wayne, IN | IN | 103 | 68/100 |
| Atlanta | GA | 102 | 61/100 |
| Fayetteville | AR | 100 | 67/100 |
| Las Vegas | NV | 96 | 65/100 |
| Lexington | KY | 92 | 73/100 |
| Kansas City, MO | MO-KS | 89 | 61/100 |
| Houston | TX | 84 | 58/100 |
| Columbus, OH | OH | 75 | 62/100 |
| Riverside | CA | 72 | 57/100 |
| Miami | FL | 62 | 58/100 |
| Portland | OR-WA | 60 | 57/100 |

## Where This Lender Ranks

GENEVA FINANCIAL, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Phoenix for USDA Loans
  - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/usda-loans)
- 🏆 **#4** in Phoenix for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#4** in Yuma, AZ for USDA Loans
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/usda-loans)
- 🏆 **#4** in Yuma, AZ for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in Arizona for USDA Loans
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/usda-loans)
- 🏆 **#5** in Arizona for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#6** in Midland, MI Mortgage Companies
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in Midland, MI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Lima, OH for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#9** in Jefferson City, MO Mortgage Companies
  - [View Full Rankings](https://saferate.com/jefferson-city-mo/best-mortgage-lenders/mortgage-companies)
- 🏆 **#9** in Jefferson City, MO for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jefferson-city-mo/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#9** in Jefferson City, MO for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jefferson-city-mo/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in Lima, OH for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#10** in Jefferson City, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/jefferson-city-mo/best-mortgage-lenders/fha-loans)
- 🏆 **#10** in Midland, MI
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders)
- 🏆 **#11** in Missouri for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#11** in Yuma, AZ for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in San Angelo, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#12** in Sierra Vista for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sierra-vista/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#12** in Jefferson City, MO
  - [View Full Rankings](https://saferate.com/jefferson-city-mo/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does GENEVA FINANCIAL, LLC offer?

GENEVA FINANCIAL, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GENEVA FINANCIAL, LLC offer mortgages?

GENEVA FINANCIAL, LLC is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are GENEVA FINANCIAL, LLC's mortgage rates?

GENEVA FINANCIAL, LLC has a pricing score of 14/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.696% above market average.

### What type of lender is GENEVA FINANCIAL, LLC?

GENEVA FINANCIAL, LLC is a non-depository lender that specializes in mortgage origination, headquartered in ORO VALLEY, AZ.

### What is GENEVA FINANCIAL, LLC's loan approval success rate?

GENEVA FINANCIAL, LLC has a pull-through score of 82/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/geneva-financial

### How to Cite

> "GENEVA FINANCIAL, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/geneva-financial

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