What loan types does Geneva Financial offer?

Geneva Financial offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Geneva Financial offer mortgages?

Geneva Financial is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Geneva Financial's mortgage rates?

Geneva Financial has an overall pricing score of 13.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Geneva Financial?

Geneva Financial is a Independent Mortgage Company headquartered in ORO VALLEY, AZ.

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Geneva Financial

Independent Mortgage Company•Oro Valley, AZHQ•Direct•Reviews near you on Google

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

Awards

FHA

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

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Sound

Top 60% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Mediocre	Strong	2,575	52.6%	+0.611%Above	$3,809Fees
FHA Loans	Sound	Exceptional	Mediocre	Exceptional	1,756	35.9%	+0.890%Above	$4,829Fees
VA Loans	Strong	Exceptional	Mediocre	Exceptional	381	7.8%	+0.084%Above	$3,944Fees
Jumbo Loans	Sound	Sound	—	Acceptable	26	0.5%	+0.574%Above	$3,223Fees
USDA Loans	Strong	Exceptional	Acceptable	Exceptional	159	3.2%	+0.479%Above	$2,698Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume2,575

Mix52.6%

Spread

+0.611%Above

Fees

$3,809Fees

FHA Loans

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Exceptional

Volume1,756

Mix35.9%

Spread

+0.890%Above

Fees

$4,829Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Mediocre

Pull Through

Exceptional

Volume381

Mix7.8%

Spread

+0.084%Above

Fees

$3,944Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Acceptable

Volume26

Mix0.5%

Spread

+0.574%Above

Fees

$3,223Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Exceptional

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	Sound	Exceptional	Mediocre	Strong	4,247	86.7%	+0.713%Above	$4,180Fees
Refinance	Sound	Strong	Mediocre	Strong	650	13.3%	+0.569%Above	$4,164Fees

Purchase

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Strong

Volume4,247

Mix86.7%

Spread

+0.713%Above

Fees

$4,180Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast8

CTMEMANHNJPARIVT

Midwest11

IAILINKSMIMNMONEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© DPPed · CC BY-SA 3.0

Phoenix, AZMetro

Volume 539Mix 11.01% of portfolio

79/100

Strong

2© WeaponizingArchitecture · CC BY-SA 4.0

St. Louis, MO, MO-ILMetro

Volume 238Mix 4.86% of portfolio

75/100

Strong

3© J654567 · CC BY-SA 3.0

Lexington, KYMetro

Volume 92Mix 1.88% of portfolio

73/100

Strong

4© Milonica · CC BY-SA 3.0

Lake Havasu City, AZMetro

Volume 58Mix 1.18% of portfolio

71/100

Strong

Sierra Vista, AZMetro

Volume 46Mix 0.94% of portfolio

69/100

Strong

Fort Wayne, INMetro

Volume 103Mix 2.10% of portfolio

68/100

Strong

Fayetteville, ARMetro

Volume 100Mix 2.04% of portfolio

67/100

Strong

Las Vegas, NVMetro

Volume 96Mix 1.96% of portfolio

65/100

Strong

Yuma, AZMetro

Volume 56Mix 1.14% of portfolio

64/100

Strong

Columbus, OHMetro

Volume 75Mix 1.53% of portfolio

62/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

ArizonaState

Volume 780Mix 15.93% of portfolio

81/100

Exceptional

KentuckyState

Volume 308Mix 6.29% of portfolio

76/100

Strong

MissouriState

Volume 443Mix 9.05% of portfolio

74/100

Strong

IndianaState

Volume 340Mix 6.94% of portfolio

71/100

Strong

FloridaState

Volume 399Mix 8.15% of portfolio

67/100

Strong

TexasState

Volume 373Mix 7.62% of portfolio

67/100

Strong

OhioState

Volume 240Mix 4.90% of portfolio

66/100

Strong

New MexicoState

Volume 101Mix 2.06% of portfolio

66/100

Strong

IllinoisState

Volume 203Mix 4.15% of portfolio

66/100

Strong

NevadaState

Volume 100Mix 2.04% of portfolio

64/100

Strong

Showing 10 of 35 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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.