Geneva Financial in Texas vs the state
1.6%Denial rate-17.88 pts vs state
2.3%Decision denial rate-22.63 pts vs state
66.3%Origination rate+11.44 pts vs state
6.75%Median rate+0.25 pts vs state
0.71Rate spread (pts)+0.52 pts vs state
$104kMedian applicant income
386Loans originated
9Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 681 | 423 | 3.1% | 7.00% | #213 |
| 2024 | 633 | 421 | 2.4% | 6.88% | #220 |
| 2025 | 582 | 386 | 1.6% | 6.75% | #236 |
What Geneva Financial lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Geneva Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 62 | 38 | 0 | 0.0% |
| Tarrant County | 58 | 41 | 0 | 0.0% |
| El Paso County | 52 | 30 | 2 | 3.8% |
| Midland County | 48 | 32 | 2 | 4.2% |
| Bexar County | 48 | 34 | 2 | 4.2% |
| Cameron County | 25 | 17 | 0 | 0.0% |
| Anderson County | 20 | 12 | 0 | 0.0% |
| Dallas County | 19 | 14 | 1 | 5.3% |
| Collin County | 15 | 11 | 0 | 0.0% |
| Travis County | 14 | 8 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 582 applications in 2025, of which 386 were originated and 9 denied.
1.6% of all applications, or 2.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Geneva Financial originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Geneva Financial's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology