Applications / Mortgage Analytics / Lenders / Texas / Genway Home Mortgage
Frisco, TX · Independent non-bank lender · CFPB · 1,893 loans in 2025
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1,893
loans originated, 2025
4,502
applications, 2025
45
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Genway Home Mortgage finances home purchases, many of them manufactured homes, and its loans rose 423% in 2025 after two lean years.
Manufactured homes made up 27.7% of its loans in 2025, against 0.9% at similar lenders: independent non-bank lenders making between half and twice as many loans. Purchases were 84.7% of its lending. Loans insured by the Federal Housing Administration (FHA) made up 45.2%, about double the peer figure of 22.0%. Its typical loan, $285,000, was smaller than theirs.
Originations rose 423%, to 1,893, while similar lenders grew 8% and the whole market 10%. The jump follows a slump. Genway filed no report for 2022 and made only 200 loans in 2023, against 1,336 in 2020. Its FHA share has tripled from 15.3% five years before, so the recovery seems to rest on a different kind of lending from the old one.
Some 30.7% of its loans were higher-priced, meaning a rate well above the average for similar loans, against 2.2% at peers. Its typical rate was 7.50%, against 6.62%. Manufactured-home and FHA loans often carry such rates, and with those making up so much of its book they could account for most of the difference.
It lends heavily in poorer neighborhoods (low- and moderate-income, or LMI, tracts): 36.8% of its loans, against 19.1% at peers, higher than nearly all of them. Its share in majority-minority areas, 54.9%, is about double theirs. Cheaper manufactured homes and the markets it serves may explain both. Its share of loans to LMI borrowers, 28.2%, matched the peer figure.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Genway Home Mortgage took 4,502 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 84.7% · Refinance 15.2% · Home improvement 0.1%
Conventional 49.5% · FHA 45.2% · VA 4.6% · USDA (RHS or FSA) 0.7% · of 1,893 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 |
|---|---|---|
| California | 461 | 24.4% |
| Texas | 305 | 16.1% |
| Florida | 229 | 12.1% |
| Arizona | 106 | 5.6% |
| Georgia | 85 | 4.5% |
| Washington | 78 | 4.1% |
| North Carolina | 54 | 2.9% |
| Nevada | 53 | 2.8% |
| Oregon | 40 | 2.1% |
| Tennessee | 39 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Riverside-San Bernardino-Ontario | 174 |
| Los Angeles-Long Beach-Glendale | 127 |
| Houston-Pasadena-The Woodlands | 119 |
| Phoenix-Mesa-Chandler | 90 |
| Atlanta-Sandy Springs-Roswell | 52 |
| Dallas-Plano-Irving | 49 |
| Las Vegas-Henderson-North Las Vegas | 40 |
| Portland-Vancouver-Hillsboro | 37 |
| San Antonio-New Braunfels | 36 |
| Orlando-Kissimmee-Sanford | 31 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008ZTV4S0W9DCX64 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3881424 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7330231744 |
Established 9 March 1987. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Genway Home Mortgage's data.
Genway Home Mortgage's data
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Genway Home Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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