Applications / Mortgage Analytics / Lenders / Arizona / Geneva Financial
Chandler, AZ · Independent non-bank lender · CFPB · 5,554 loans in 2025
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5,554
loans originated, 2025
8,198
applications, 2025
48
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Geneva Financial, a Chandler, Arizona, lender active in 48 states, leans on government-backed loans and lends more to modest-income borrowers than most similar lenders.
About a third of its loans (34.0%) were insured by the Federal Housing Administration (FHA), against 24.9% at similar lenders (independent non-bank lenders making between half and twice as many loans). Loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS) were 3.4%, against 0.7%. Its typical loan, $245,000, was smaller than its peers' $315,000.
Borrowers with low or moderate incomes (LMI) took 39.7% of its loans, against 28.2% at similar lenders, higher than at almost nine in ten of them. Its share in LMI neighborhoods, 28.4%, was higher than at more than nine in ten peers, whose typical share was 19.5%.
It turned down 2.9% of first-lien home-purchase applications on owner-occupied homes, against 4.3% at similar lenders. For refinances the gap was wider: 3.6% against 8.4%.
Its loans fell 6% to 5,554 in 2025, while similar lenders grew 13% and the whole market 10%; more than nine in ten peers grew faster. It has made fewer loans each year since its peak of 10,048 in 2021. The decline may reflect its focus on purchase loans, 83.4% of its lending, at a time when peers could also draw on refinancing. It is growing in some newer markets: in Cheyenne, Wyoming, which it entered in 2024, it ranks 13 of 190 lenders with 1.9% of the market.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Geneva Financial took 8,198 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.4% · Refinance 16.6%
Conventional 56.3% · FHA 34.0% · VA 6.3% · USDA (RHS or FSA) 3.4% · of 5,554 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arizona | 794 | 14.3% |
| Missouri | 589 | 10.6% |
| Florida | 414 | 7.5% |
| Texas | 386 | 6.9% |
| Indiana | 359 | 6.5% |
| Ohio | 291 | 5.2% |
| Georgia | 260 | 4.7% |
| Illinois | 215 | 3.9% |
| Louisiana | 188 | 3.4% |
| New Mexico | 163 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 498 |
| St. Louis | 320 |
| Baton Rouge | 145 |
| Atlanta-Sandy Springs-Roswell | 126 |
| Chicago-Naperville-Schaumburg | 114 |
| Las Vegas-Henderson-North Las Vegas | 114 |
| Columbus | 111 |
| Kansas City | 110 |
| Fort Wayne | 107 |
| Cheyenne | 73 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001XKL0FTNOJ0866 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5023590 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7261589507 |
Established 15 October 2007. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: Geneva Financial's data.
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