Geneva Financial in California vs the state
1.5%Denial rate-15.95 pts vs state
2.6%Decision denial rate-19.84 pts vs state
55.9%Origination rate-0.32 pts vs state
7.13%Median rate+0.50 pts vs state
0.87Rate spread (pts)+0.60 pts vs state
$136kMedian applicant income
114Loans originated
3Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 365 | 144 | 3.0% | 7.13% | #263 |
| 2024 | 358 | 202 | 1.7% | 7.00% | #285 |
| 2025 | 204 | 114 | 1.5% | 7.13% | #362 |
What Geneva Financial lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Geneva Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 44 | 23 | 1 | 2.3% |
| Los Angeles County | 32 | 17 | 2 | 6.3% |
| San Bernardino County | 16 | 8 | 0 | 0.0% |
| Solano County | 16 | 11 | 0 | 0.0% |
| El Dorado County | 10 | 6 | 0 | 0.0% |
| Santa Clara County | 8 | 3 | 0 | 0.0% |
| Kern County | 8 | 5 | 0 | 0.0% |
| Santa Barbara County | 8 | 6 | 0 | 0.0% |
| Fresno County | 7 | 4 | 0 | 0.0% |
| Sacramento County | 6 | 3 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 204 applications in 2025, of which 114 were originated and 3 denied.
1.5% of all applications, or 2.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Geneva Financial originated in California in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Geneva Financial's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology