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Genhome Mortgage Corporation

Independent Mortgage Company•Sacramento, CAHQ•Wholesale•Reviews near you on Google

Genhome Mortgage Corporation has 355 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Sound
3/5
Near-National · 3 mkts

Safe Rate Summary

What They Do Well

  • Nationwide availability with consistent service

Things to Think About

  • Rates typically 136 basis points above market average
  • Higher than average fees ($6,186)
  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Genhome Mortgage Corporation performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+136.0 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
FHA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 3 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Mediocre
Product
Acceptable
Pricing—
Pull Through
Mediocre
Volume76
Mix21.4%
Spread
+1.108%Above
Fees
$4,343Fees
FHA Loans
Overall
Acceptable
Product
Strong
Pricing
Mediocre
Pull Through
Sound
Volume269
Mix75.8%
Spread
+1.405%Above
Fees
$6,551Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Acceptable
Volume329
Mix92.7%
Spread
+1.366%Above
Fees
$6,225Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Mediocre
Volume26
Mix7.3%
Spread
+1.303%Above
Fees
$5,839Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
355
Applications
924
Volume
$159 million
Pricing & Closing
Avg Rate Spread
+1.360%
vs. market APOR
Avg Net Fees
$6,186
Origination − Credits
Pullthrough Rate
38.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$449,394
Avg Borrower Income
$168,631
Avg Property Value
$508,972

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
29
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

29
29 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
MEMAPA
Midwest5
ILINMIMNOH
South14
ALARFLGALAMDMSNCOKSCTNTXVAWV
West7
AZCANMNVORUTWA

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 91Mix 25.63% of portfolio
68/100
Strong
2© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 73Mix 20.56% of portfolio
65/100
Strong
3© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 18Mix 5.07% of portfolio
46/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 190Mix 53.52% of portfolio
67/100
Strong
Texas
Texas
2
TexasState
Volume 46Mix 12.96% of portfolio
51/100
Sound
Florida
Florida
3
FloridaState
Volume 36Mix 10.14% of portfolio
49/100
Sound
Arizona
Arizona
4
ArizonaState
Volume 11Mix 3.10% of portfolio
41/100
Sound

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.