Geneva Financial LLC
Chandler, AZ
Geneva Financial LLC processed 9,015 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 5,938 loans with a 2.7% denial rate. Home Purchase was the primary loan purpose. Based in Chandler, AZ. The approval rate of 65.9% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. Geneva Financial LLC processed 9,015 HMDA-reported mortgage applications in 2024, originating 5,938 loans and denying 245 for a denial rate of 2.7% (applicants themselves withdrew 2,703 files before a decision). The average loan amount was $270,281 at a 6.571% average note rate, and applicants self-reported an average income of $39,000. The lender reports under LEI 5493001XKL0FTNOJ0866 from Chandler, AZ.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Geneva Financial LLC's 65.9% origination rate tells you how often an application turned into funded money; the 2.7% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Other, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (5,368 applications).
How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 5,368 | 3,465 | 118 | $254,005 |
| FHA | 2,827 | 1,902 | 114 | $285,393 |
| VA | 596 | 408 | 6 | $370,856 |
| USDA | 224 | 163 | 7 | $202,009 |
Top loan types — Geneva Financial LLC
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Geneva Financial LLC (LEI: 5493001XKL0FTNOJ0866) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Denial Analysis
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 7,455 | 5,158 | $261,319 |
| Cash-out Refinancing | 1,090 | 580 | $298,422 |
| Refinancing | 462 | 200 | $348,983 |
| Other | 8 | 0 | $242,500 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 6,646 | 68.1% | 2.5% |
| Black or African American | 1,163 | 60.2% | 4.5% |
| Asian | 231 | 57.1% | 1.3% |
| Joint | 183 | 66.7% | 2.2% |
| American Indian or Alaska Native | 84 | 64.3% | 1.2% |
| Native Hawaiian or Other Pacific Islander | 52 | 61.5% | 1.9% |
| 2 or more minority races | 17 | 47.1% | 0.0% |
Lending by Ethnicity
Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 5,595 | 66.6% | 2.6% |
| Hispanic or Latino | 2,398 | 67.1% | 3.2% |
| Joint | 192 | 75.0% | 2.6% |
Nearby Lenders in AZ
Other HMDA-reporting lenders in AZ with similar activity. Compare any two side-by-side.
The Loan Store, Inc
Tucson, AZ
Desert Financial Credit Union
Phoenix, AZ
V.I.P. MORTGAGE, INC.
SCOTTSDALE, AZ
Nova Financial & Investment Corporation
Tucson, AZ
SOUTHWEST STAGE FUNDING LLC
CHANDLER, AZ
Mortgage Lending Guides
Frequently Asked Questions
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Data Sources
Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.
Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.