Geneva Financial in Florida vs the state
3.8%Denial rate-17.27 pts vs state
5.2%Decision denial rate-22.05 pts vs state
68.2%Origination rate+15.51 pts vs state
7.00%Median rate+0.38 pts vs state
0.76Rate spread (pts)+0.49 pts vs state
$102kMedian applicant income
414Loans originated
23Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,519 | 921 | 4.2% | 6.88% | #106 |
| 2024 | 809 | 537 | 2.8% | 7.00% | #178 |
| 2025 | 607 | 414 | 3.8% | 7.00% | #216 |
What Geneva Financial lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Geneva Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 90 | 71 | 1 | 1.1% |
| Lee County | 60 | 51 | 1 | 1.7% |
| Polk County | 46 | 30 | 3 | 6.5% |
| Marion County | 37 | 21 | 1 | 2.7% |
| St. Lucie County | 32 | 29 | 1 | 3.1% |
| Broward County | 30 | 20 | 1 | 3.3% |
| Hillsborough County | 28 | 17 | 0 | 0.0% |
| Orange County | 28 | 20 | 0 | 0.0% |
| Okeechobee County | 26 | 22 | 0 | 0.0% |
| Charlotte County | 17 | 11 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 607 applications in 2025, of which 414 were originated and 23 denied.
3.8% of all applications, or 5.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Geneva Financial originated in Florida in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Geneva Financial's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology