Applications / Mortgage Analytics / Lenders / California / Geo-Corp
Monterey Park, CA · Independent non-bank lender · CFPB · 1,089 loans in 2025
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1,089
loans originated, 2025
1,752
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Geo-Corp, a California purchase lender, now makes almost nothing but loans insured by the Federal Housing Administration (FHA), five years after making almost none.
FHA loans made up 93.8% of its 2025 lending, against 21.9% at similar lenders: independent non-bank lenders making between half and twice as many loans. Five years before, 96.0% of its loans were conventional and 4.0% FHA. Purchases were 95.6% of its lending. The record does not say what drove so complete a shift.
Its loans rose 15% to 1,089, faster than the 3% at similar lenders and the 10% for the whole market. That restores roughly the 1,166 it made in 2020, after a fall to 339 in 2022. In Riverside-San Bernardino-Ontario, where it ranks 49 of 707 lenders, its share rose from 0.3% to 0.4%.
Some 36.5% of its loans went to poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 18.3% at peers. In majority-minority areas the figure was 79.8%, about three times theirs. FHA lending to buyers in the parts of California it serves could explain both. Its typical loan, $435,000, was larger than peers' $315,000.
Its loans reached 17 states in 2025. That year it entered Chicago, Longview, Texas, and Santa Rosa, though it holds only a sliver of each. Its typical rate, 6.88%, was a little above its peers' 6.62%, a gap its reliance on FHA loans could explain.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Geo-Corp took 1,752 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 95.6% · Refinance 3.1% · Home improvement 1.1% · Not applicable 0.2%
FHA 93.8% · Conventional 6.2% · of 1,089 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 | 569 | 52.2% |
| Texas | 154 | 14.1% |
| Florida | 150 | 13.8% |
| Georgia | 95 | 8.7% |
| Maryland | 51 | 4.7% |
| Virginia | 29 | 2.7% |
| Arizona | 13 | 1.2% |
| Illinois | 9 | 0.8% |
| North Carolina | 4 | 0.4% |
| Nevada | 3 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Riverside-San Bernardino-Ontario | 275 |
| Los Angeles-Long Beach-Glendale | 201 |
| Atlanta-Sandy Springs-Roswell | 78 |
| Orlando-Kissimmee-Sanford | 52 |
| Houston-Pasadena-The Woodlands | 50 |
| Austin-Round Rock-San Marcos | 48 |
| Dallas-Plano-Irving | 27 |
| Washington | 24 |
| Bakersfield-Delano | 23 |
| Arlington-Alexandria-Reston | 22 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P55E0GN57DEV03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4438094 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7650738229 |
Established 19 March 1997. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Geo-Corp's data.
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