# GENHOME MORTGAGE CORPORATION

> **Canonical URL:** https://saferate.com/lenders/genhome-mortgage


> **📋 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


GENHOME MORTGAGE CORPORATION is a independent mortgage company, headquartered in SACRAMENTO, CA, serving borrowers across 29 states, with 355 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 96% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 71% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300G4JDIJPBEO8J84
- **Headquarters:** SACRAMENTO, CA
- **Geographic Reach:** Near-National
- **States Served:** 29
- **State List:** AL, AR, AZ, CA, FL, GA, IL, IN, LA, MA, MD, ME, MI, MN, MS, NC, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV
- **Markets (MSAs):** 3
- **Primary Channel:** wholesale
- **Direct Origination:** 0.1%
- **Brokered/Wholesale:** 99.9%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 4/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +1.360%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $6,186
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 355
- **Dollar Volume:** $160 million
- **Applications Received:** 924
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $449,394
- **Average Borrower Income:** $168,631
- **Average Property Value:** $508,972

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 25/100 | 76 | +1.108% | $4,343 | Acceptable 🙂 |
| FHA | 71/100 | 269 | +1.405% | $6,551 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 60 loans, Score: 26/100 (Acceptable)

**FHA:**
- Purchase: 261 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 329 | $148M | +1.366% | Sound ☺️ |
| Refinance | 29/100 | 26 | $11M | +1.303% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 190 | 0.07% | 67/100 |
| TX | 46 | 0.01% | 51/100 |
| FL | 36 | 0.01% | 49/100 |
| AZ | 11 | 0.01% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 91 | 68/100 |
| Riverside | CA | 73 | 65/100 |
| Houston | TX | 18 | 46/100 |

## Frequently Asked Questions

### What loan types does GENHOME MORTGAGE CORPORATION offer?

GENHOME MORTGAGE CORPORATION offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GENHOME MORTGAGE CORPORATION offer mortgages?

GENHOME MORTGAGE CORPORATION offers mortgages in 29 states: AL, AR, AZ, CA, FL, GA, IL, IN, LA, MA, MD, ME, MI, MN, MS, NC, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV.

### How competitive are GENHOME MORTGAGE CORPORATION's mortgage rates?

GENHOME MORTGAGE CORPORATION has a pricing score of 4/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.360% above market average.

### What type of lender is GENHOME MORTGAGE CORPORATION?

GENHOME MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in SACRAMENTO, CA.

### What is GENHOME MORTGAGE CORPORATION's loan approval success rate?

GENHOME MORTGAGE CORPORATION has a pull-through score of 29/100 (Acceptable). 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/genhome-mortgage

### How to Cite

> "GENHOME MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/genhome-mortgage

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