Genesis Capital at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
68th2.1% deniedProcesswithdrawn + incomplete share, weight 15%
87th0.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 827 | 798 | 3.5% | 3.5% | 9.75% | $1.5B |
| 2024 | 1,188 | 1,144 | 3.6% | 3.6% | 9.51% | $2.2B |
| 2025 | 1,315 | 1,286 | 2.1% | 2.1% | 8.75% | $2.9B |
What Genesis Capital lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 1,315 investment properties.
Why Genesis Capital denies applications
Primary reason reported for each of the 27 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Where Genesis Capital lends
34 states and 200 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 637 | 628 | 1.3% | 8.75% | #222 |
| Washington | 106 | 106 | 0.0% | 8.96% | #234 |
| Florida | 84 | 84 | 0.0% | 8.75% | #516 |
| Arizona | 64 | 63 | 1.6% | 8.81% | #286 |
| Virginia | 49 | 46 | 6.1% | 8.50% | #378 |
| New Jersey | 46 | 44 | 4.4% | 8.83% | #372 |
| Ohio | 38 | 36 | 5.3% | 8.25% | #438 |
| Texas | 34 | 33 | 2.9% | 8.75% | #773 |
| North Carolina | 31 | 31 | 0.0% | 8.81% | #466 |
| Nevada | 31 | 31 | 0.0% | 8.30% | #246 |
| Georgia | 27 | 27 | 0.0% | 8.81% | #533 |
| Missouri | 24 | 22 | 8.3% | 8.00% | #422 |
| Maryland | 20 | 18 | 10.0% | 8.25% | #405 |
| New York | 17 | 14 | 17.7% | 9.00% | #422 |
| Connecticut | 16 | 16 | 0.0% | 8.68% | #326 |
| Colorado | 13 | 12 | 7.7% | 8.74% | #469 |
| Indiana | 10 | 10 | 0.0% | 8.66% | #544 |
| Oregon | 10 | 10 | 0.0% | 8.38% | #367 |
| Illinois | 9 | 9 | 0.0% | 9.75% | #703 |
| Kansas | 9 | 9 | 0.0% | 8.00% | #361 |
| South Carolina | 9 | 9 | 0.0% | 8.25% | #561 |
| Pennsylvania | 8 | 8 | 0.0% | 8.00% | #724 |
| District of Columbia | 7 | 7 | 0.0% | 8.00% | #218 |
Frequently asked questions
Genesis Capital denied 2.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 68th percentile of investment-property lenders.
The most common reason Genesis Capital gave in 2025 was "credit history", cited on 40.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Genesis Capital originated in 2025 was 8.75%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 63% of its applications were for home purchases, 31% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.