Applications / Mortgage Analytics / Lenders / Florida / Real Genius
Delray Beach, FL · Non-bank or government lender · CFPB · 330 loans in 2025
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330
loans originated, 2025
702
applications, 2025
35
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Real Genius, which first reported in 2023, is a refinance lender spread thinly across 35 states, and none of its loans is government-backed.
Refinances made up 74.2% of its 330 loans in 2025; home purchases were the rest. Every loan was conventional. Its typical loan, $395,000, was a little larger than the $365,000 at similar lenders, meaning lenders of the same type making between half and twice as many loans.
Its loans reached 117 metros in 35 states, centered on North Carolina, yet it holds only a sliver of any big market. In Phoenix it ranked 421 of 879 lenders. It first reported in 2023, with 243 loans. The record holds no figure for 2024, so its growth over the year cannot be measured.
Its typical rate was 5.99%, against 6.75% at similar lenders, lower than more than four in five of them. None of its loans was higher-priced (a rate well above the average for similar loans), against 2.2% at its peers.
Borrowers with low or moderate incomes (LMI) took 9.4% of its loans, against 24.1% at similar lenders, lower than nearly nine in ten of them. Its share in poorer neighborhoods was also below its peers', 12.8% against 22.4%. Two ordinary reasons are possible: most of its business is refinancing existing homeowners, and it makes no government-backed loans, which many first-time and lower-income buyers use.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Real Genius took 702 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 74.2% · Purchase 25.8%
Conventional 100.0% · of 330 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 |
|---|---|---|
| North Carolina | 30 | 9.1% |
| Texas | 27 | 8.2% |
| Florida | 25 | 7.6% |
| Georgia | 25 | 7.6% |
| California | 23 | 7.0% |
| Illinois | 18 | 5.5% |
| Maryland | 13 | 3.9% |
| Ohio | 13 | 3.9% |
| Colorado | 12 | 3.6% |
| Tennessee | 12 | 3.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 17 |
| Baltimore-Columbia-Towson | 9 |
| Charlotte-Concord-Gastonia | 9 |
| Chicago-Naperville-Schaumburg | 8 |
| Nashville-Davidson--Murfreesboro--Franklin | 8 |
| Phoenix-Mesa-Chandler | 8 |
| Dallas-Plano-Irving | 7 |
| Denver-Aurora-Centennial | 7 |
| Minneapolis-St. Paul-Bloomington | 7 |
| Raleigh-Cary | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 984500FAD1FB7FEGTE82 | 2023–2025 |
Established 12 June 2022. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Real Genius's data.
Real Genius's data
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Real Genius 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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