Purchase Originations
3,737
Ranked #137 nationally
Median Total Costs
$9,108
+36.4% vs national ($6,680)
↓ $344 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,497
Median Lender Credits
$211
Cost Rank (500+ vol.)
#506
among lenders with 500+ originations
Denial Rate
2.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 1,689 | 6.625% | $11,857 | $3,966 |
| conventional | 1,546 | 6.875% | $6,328 | $3,447 |
| va | 314 | 6.750% | $5,149 | $2 |
| usda | 188 | 6.500% | $7,772 | $2,749 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Arizona | 539 | 6.625% | $11,867 | #35 |
| Missouri | 376 | 6.750% | $5,741 | #31 |
| Texas | 300 | 6.750% | $10,733 | #156 |
| Florida | 261 | 6.875% | $10,795 | #134 |
| Indiana | 253 | 6.750% | $5,258 | #70 |
| Georgia | 187 | 6.500% | $9,924 | #106 |
| Ohio | 179 | 6.750% | $8,801 | #98 |
| Louisiana | 141 | 6.625% | $10,111 | #49 |
| Illinois | 126 | 6.875% | $9,187 | #131 |
| New Mexico | 116 | 6.750% | $9,670 | #36 |
| Oklahoma | 106 | 6.625% | $7,654 | #66 |
| Nevada | 84 | 6.750% | $11,232 | #69 |
| Kansas | 83 | 6.750% | $4,529 | #75 |
| Kentucky | 75 | 6.500% | $6,628 | #97 |
| South Carolina | 72 | 6.625% | $8,702 | #139 |
| Washington | 70 | 6.875% | $7,644 | #132 |
| Mississippi | 68 | 6.625% | $9,459 | #54 |
| Alabama | 65 | 6.625% | $9,065 | #120 |
| Maryland | 64 | 6.688% | $10,223 | #122 |
| Michigan | 64 | 6.625% | $5,658 | #138 |
| New Jersey | 61 | 6.750% | $15,882 | #139 |
| California | 60 | 7.062% | $12,446 | #246 |
| Wyoming | 50 | 6.250% | $12,128 | #21 |
| Massachusetts | 48 | 6.875% | $10,157 | — |
| Arkansas | 41 | 6.750% | $9,843 | — |
| Colorado | 36 | 6.625% | $11,152 | — |
| Alaska | 34 | 6.625% | $15,258 | — |
| Virginia | 28 | 6.688% | $7,077 | — |
| Pennsylvania | 25 | 6.625% | $7,638 | — |
| Idaho | 24 | 6.375% | $7,510 | — |
| Maine | 17 | 6.625% | $7,790 | — |
| Tennessee | 15 | 6.625% | $7,983 | — |
| Oregon | 14 | 6.500% | $11,371 | — |
| Wisconsin | 11 | 6.750% | $9,416 | — |
| North Carolina | 8 | 6.188% | $10,963 | — |
| Minnesota | 7 | 7.125% | $5,218 | — |
| New Hampshire | 5 | 7.000% | $11,783 | — |
| Connecticut | 4 | 7.188% | $7,968 | — |
| Nebraska | 4 | 6.938% | $7,820 | — |
| Rhode Island | 4 | 6.625% | $14,732 | — |
| Hawaii | 3 | 5.625% | $16,027 | — |
| Iowa | 3 | 7.000% | $4,079 | — |
| Vermont | 3 | 6.875% | $9,313 | — |
| District of Columbia | 1 | 6.750% | $1,194 | — |
| Montana | 1 | 6.000% | $17,039 | — |
| Utah | 1 | 7.375% | $5,254 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,037 | 6.625% | — | 80 | −$5,071 | |
| 2 | $5,258 | 6.750% | — | 33 | −$3,850 | |
| 3 | $5,792 | 6.750% | — | 76 | −$3,316 | |
| 4 | $6,993 | 6.625% | — | 46 | −$2,115 | |
| 5 | $7,541 | 6.875% | — | 39 | −$1,567 | |
| 6 | $8,242 | 6.875% | — | 35 | −$866 | |
| 7 | $8,814 | 6.625% | — | 35 | −$294 | |
| 8 | $9,615 | 6.625% | — | 76 | +$507 | |
| 9 | $9,755 | 6.875% | — | 51 | +$647 | |
| 10 | $9,779 | 6.688% | — | 70 | +$671 | |
| 11 | $10,523 | 6.125% | — | 35 | +$1,415 | |
| 12 | $10,560 | 6.875% | — | 55 | +$1,452 | |
| 13 | $11,037 | 6.500% | — | 124 | +$1,929 | |
| 14 | $11,409 | 6.625% | — | 35 | +$2,301 | |
| 15 | $11,546 | 6.250% | — | 41 | +$2,438 | |
| 16 | $12,193 | 6.250% | — | 48 | +$3,085 | |
| 17 | $12,320 | 6.750% | — | 60 | +$3,212 | |
| 18 | $13,600 | 6.438% | — | 38 | +$4,492 | |
| 19 | $14,383 | 6.750% | — | 211 | +$5,275 | |
| 20 | $14,678 | 7.000% | — | 38 | +$5,570 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Geneva Financial, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $9,108 | $7,127 | +$1,981 (+27.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.