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GENEVA FINANCIAL, LLC
Independent Mortgage Company|ORO VALLEY, AZ|National
Loans Originated
4,897
Applications
5,880
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Exceptional
Safe Rate Awards⭐USDA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.696%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,179
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
83.3%
Percentage of applications that result in closed loans
Safe Rate's 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)
Report Card
GENEVA FINANCIAL, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Sound | Industry Standard | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 50 metro areas · 49 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$294,498
Average Borrower Income
$125,954
Average Property Value
$351,161
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% | $3,809 |
FHA Loans | Sound | Exceptional | Mediocre | Exceptional | 1,756 | 35.9% | +0.890% | $4,829 |
VA Loans | Sound | Exceptional | Mediocre | Exceptional | 381 | 7.8% | +0.084% | $3,944 |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 26 | 0.5% | +0.574% | $3,223 |
USDA Loans | Strong | Exceptional | Acceptable | Exceptional | 159 | 3.2% | +0.479% | $2,698 |
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% | $4,180 |
Refinance | Sound | Strong | Mediocre | Strong | 650 | 13.3% | +0.569% | $4,164 |
Geographic Coverage
Metro Areas
49
States Served
49
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNENHNJNMNVOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Phoenix, AZMSA
Volume: 539Mix: 11.01%
Place Specialization
Strong
2
St. Louis, MO, MO-ILMSA
Volume: 238Mix: 4.86%
Place Specialization
Strong
3
Lexington, KYMSA
Volume: 92Mix: 1.88%
Place Specialization
Strong
4
Lake Havasu City, AZMSA
Volume: 58Mix: 1.18%
Place Specialization
Strong
5
Sierra Vista, AZMSA
Volume: 46Mix: 0.94%
Place Specialization
Strong
6
Fort Wayne, IN, INMSA
Volume: 103Mix: 2.10%
Place Specialization
Strong
7
Fayetteville, ARMSA
Volume: 100Mix: 2.04%
Place Specialization
Strong
8
Las Vegas, NVMSA
Volume: 96Mix: 1.96%
Place Specialization
Strong
9
Yuma, AZ, AZMSA
Volume: 56Mix: 1.14%
Place Specialization
Strong
10
Columbus, OH, OHMSA
Volume: 75Mix: 1.53%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
AZState
Volume: 780Mix: 15.93%
Place Specialization
Exceptional
2
KYState
Volume: 308Mix: 6.29%
Place Specialization
Strong
3
MOState
Volume: 443Mix: 9.05%
Place Specialization
Strong
4
INState
Volume: 340Mix: 6.94%
Place Specialization
Strong
5
FLState
Volume: 399Mix: 8.15%
Place Specialization
Strong
6
TXState
Volume: 373Mix: 7.62%
Place Specialization
Strong
7
OHState
Volume: 240Mix: 4.90%
Place Specialization
Strong
8
NMState
Volume: 101Mix: 2.06%
Place Specialization
Strong
9
ILState
Volume: 203Mix: 4.15%
Place Specialization
Strong
10
NVState
Volume: 100Mix: 2.04%
Place Specialization
Strong
Showing 10 of 35 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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