Genhome Mortgage Corporation Mortgage Lending & HMDA Data, 2024
In 2024, Genhome Mortgage Corporation of Irvine, CA reported 992 mortgage applications totaling $451.4 million, down 77% from 2023. The average application was for $455,050, and applicants reported an average income of $173,566. 37% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (209), Riverside-San Bernardino-Ontario, CA (151) and Houston-The Woodlands-Sugar Land, TX (53) (applications in parentheses).
| Mortgage Company & Address | Genhome Mortgage Corporation Irvine, CA 92614 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 2023 2022 2021 2020 |
| Total Number of Mortgage Applications | 992 |
| Total Mortgage Loan Application Amount | $451,410,000 |
| Average Mortgage Loan Application Amount | $455,050 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $173,566 |
| Highest Applicant Income | $6,615,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Genhome Mortgage Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 209 | $ 136,835,000 | $ 654,712 | $ 232,000 |
| Riverside-San Bernardino-Ontario, CA | 151 | $ 71,755,000 | $ 475,198 | $ 141,000 |
| Houston-The Woodlands-Sugar Land, TX | 53 | $ 16,005,000 | $ 301,981 | $ 105,000 |
| Dallas-Plano-Irving, TX | 29 | $ 10,445,000 | $ 360,172 | $ 141,000 |
| Phoenix-Mesa-Scottsdale, AZ | 27 | $ 10,135,000 | $ 375,370 | $ 155,000 |
| Outside any metro area | 26 | $ 5,960,000 | $ 229,230 | $ 140,846 |
| Chicago-Naperville, IL | 25 | $ 6,325,000 | $ 253,000 | $ 90,000 |
| Bakersfield, CA | 20 | $ 6,790,000 | $ 339,500 | $ 131,000 |
| Miami-Miami Beach-Kendall, FL | 19 | $ 12,835,000 | $ 675,526 | $ 224,000 |
| Anaheim-Santa Ana-Irvine, CA | 17 | $ 13,095,000 | $ 770,294 | $ 218,000 |
| Indianapolis-Carmel-Anderson, IN | 16 | $ 4,930,000 | $ 308,125 | $ 91,000 |
| Orlando-Kissimmee-Sanford, FL | 16 | $ 5,580,000 | $ 348,750 | $ 94,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 15 | $ 5,055,000 | $ 337,000 | $ 103,000 |
| Atlanta-Sandy Springs-Roswell, GA | 14 | $ 4,260,000 | $ 304,285 | $ 98,000 |
| Lakeland-Winter Haven, FL | 13 | $ 3,485,000 | $ 268,076 | $ 102,000 |
| Las Vegas-Henderson-Paradise, NV | 13 | $ 4,105,000 | $ 315,769 | $ 176,000 |
| Arlington-Alexandria-Reston, VA-WV | 12 | $ 6,110,000 | $ 509,166 | $ 126,250 |
| San Diego-Carlsbad, CA | 12 | $ 8,780,000 | $ 731,666 | $ 183,000 |
| Fort Worth-Arlington, TX | 11 | $ 3,315,000 | $ 301,363 | $ 118,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 11 | $ 7,485,000 | $ 680,454 | $ 222,000 |
| Port St. Lucie, FL | 11 | $ 3,205,000 | $ 291,363 | $ 93,000 |
| Tampa, FL | 11 | $ 3,565,000 | $ 324,090 | $ 86,000 |
| Washington, DC-MD | 10 | $ 4,800,000 | $ 480,000 | $ 137,700 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 4,515,000 | $ 501,666 | $ 103,000 |
| San Antonio-New Braunfels, TX | 9 | $ 2,635,000 | $ 292,777 | $ 110,000 |
| McAllen-Edinburg-Mission, TX | 8 | $ 2,970,000 | $ 371,250 | $ 709,000 |
| Baltimore-Columbia-Towson, MD | 7 | $ 1,995,000 | $ 285,000 | $ 90,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 7 | $ 3,375,000 | $ 482,142 | $ 143,000 |
| Albuquerque, NM | 6 | $ 1,950,000 | $ 325,000 | $ 66,000 |
| Detroit-Dearborn-Livonia, MI | 6 | $ 710,000 | $ 118,333 | $ 44,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 6 | $ 1,450,000 | $ 241,666 | $ 86,000 |
| Oakland-Hayward-Berkeley, CA | 6 | $ 8,550,000 | $ 1,425,000 | $ 619,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 2,390,000 | $ 398,333 | $ 109,666 |
| Raleigh, NC | 6 | $ 1,900,000 | $ 316,666 | $ 86,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 6 | $ 2,650,000 | $ 441,666 | $ 119,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,585,000 | $ 317,000 | $ 88,000 |
| Jacksonville, FL | 5 | $ 1,205,000 | $ 241,000 | $ 114,000 |
| Lafayette, LA | 5 | $ 985,000 | $ 197,000 | $ 55,000 |
| Memphis, TN-MS-AR | 5 | $ 1,035,000 | $ 207,000 | $ 120,400 |
| Seattle-Bellevue-Everett, WA | 5 | $ 1,995,000 | $ 399,000 | $ 130,000 |
| Austin-Round Rock, TX | 4 | $ 1,670,000 | $ 417,500 | $ 117,000 |
| Cleveland, OH | 4 | $ 620,000 | $ 155,000 | $ 49,000 |
| Fresno, CA | 4 | $ 1,580,000 | $ 395,000 | $ 141,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 830,000 | $ 207,500 | $ 100,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,160,000 | $ 290,000 | $ 83,000 |
| Washington-Baltimore-Arlington, DC | 4 | $ 1,800,000 | $ 450,000 | $ 113,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 505,000 | $ 168,333 | $ 58,000 |
| Baton Rouge, LA | 3 | $ 955,000 | $ 318,333 | $ 94,000 |
| Boston, MA | 3 | $ 3,435,000 | $ 1,145,000 | $ 2,384,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 1,025,000 | $ 341,666 | $ 80,000 |
| Kansas City, MO-KS | 3 | $ 805,000 | $ 268,333 | $ 0 |
| Marietta, GA | 3 | $ 795,000 | $ 265,000 | $ 84,000 |
| Ocala, FL | 3 | $ 735,000 | $ 245,000 | $ 88,000 |
| Providence-Warwick, RI-MA | 3 | $ 1,335,000 | $ 445,000 | $ 712,000 |
| St. Petersburg-Clearwater-Largo, FL | 3 | $ 945,000 | $ 315,000 | $ 187,000 |
| Tucson, AZ | 3 | $ 1,145,000 | $ 381,666 | $ 111,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 675,000 | $ 225,000 | $ 70,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 875,000 | $ 291,666 | $ 121,000 |
| Worcester, MA-CT | 3 | $ 875,000 | $ 291,666 | $ 139,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 1,290,000 | $ 645,000 | $ 101,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 770,000 | $ 385,000 | $ 52,000 |
| Eugene, OR | 2 | $ 1,180,000 | $ 590,000 | $ 2,164,000 |
| Hot Springs, AR | 2 | $ 1,320,000 | $ 660,000 | $ 539,000 |
| Huntsville, AL | 2 | $ 380,000 | $ 190,000 | $ 157,000 |
| Killeen-Temple, TX | 2 | $ 510,000 | $ 255,000 | $ 89,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 650,000 | $ 325,000 | $ 185,000 |
| Mobile, AL | 2 | $ 210,000 | $ 105,000 | $ 49,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 820,000 | $ 410,000 | $ 95,000 |
| New Orleans-Metairie, LA | 2 | $ 2,470,000 | $ 1,235,000 | $ 741,000 |
| Panama City, FL | 2 | $ 510,000 | $ 255,000 | $ 73,000 |
| Philadelphia, PA | 2 | $ 330,000 | $ 165,000 | $ 149,000 |
| Portland-South Portland, ME | 2 | $ 1,180,000 | $ 590,000 | $ 1,184,000 |
| Richmond, VA | 2 | $ 860,000 | $ 430,000 | $ 96,000 |
| Salem, OR | 2 | $ 550,000 | $ 275,000 | $ 123,000 |
| Springfield, MA | 2 | $ 590,000 | $ 295,000 | $ 361,000 |
| Stockton-Lodi, CA | 2 | $ 1,490,000 | $ 745,000 | $ 227,000 |
| Waco, TX | 2 | $ 580,000 | $ 290,000 | $ 112,000 |
| Bloomington, IN | 1 | $ 145,000 | $ 145,000 | $ 106,000 |
| Bremerton-Silverdale, WA | 1 | $ 565,000 | $ 565,000 | $ 170,000 |
| Brownsville-Harlingen, TX | 1 | $ 265,000 | $ 265,000 | $ 81,000 |
| Burlington, NC | 1 | $ 275,000 | $ 275,000 | $ 103,000 |
| Camden, NJ | 1 | $ 315,000 | $ 315,000 | $ 83,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 245,000 | $ 245,000 | $ 93,000 |
| Charleston-North Charleston, SC | 1 | $ 235,000 | $ 235,000 | $ 73,000 |
| Cincinnati, OH-KY-IN | 1 | $ 175,000 | $ 175,000 | $ 17,000 |
| Colorado Springs, CO | 1 | $ 345,000 | $ 345,000 | $ 89,000 |
| Columbia, SC | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 1,995,000 | $ 1,995,000 | $ 13,000 |
| Elgin, IL | 1 | $ 405,000 | $ 405,000 | $ 133,000 |
| Everett, WA | 1 | $ 465,000 | $ 465,000 | $ 198,000 |
| Gainesville, FL | 1 | $ 125,000 | $ 125,000 | $ 331,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 415,000 | $ 415,000 | $ 90,000 |
| Hanford-Corcoran, CA | 1 | $ 305,000 | $ 305,000 | $ 95,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 265,000 | $ 265,000 | $ 10,000 |
| Jefferson City, MO | 1 | $ 465,000 | $ 465,000 | $ 144,000 |
| Knoxville, TN | 1 | $ 255,000 | $ 255,000 | $ 62,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 265,000 | $ 265,000 | $ 24,000 |
| Laredo, TX | 1 | $ 225,000 | $ 225,000 | $ 54,000 |
| Lexington-Fayette, KY | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Lynchburg, VA | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Merced, CA | 1 | $ 245,000 | $ 245,000 | $ 3,000 |
| Modesto, CA | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| Oklahoma City, OK | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 315,000 | $ 315,000 | $ 73,000 |
| Pittsburgh, PA | 1 | $ 275,000 | $ 275,000 | $ 72,000 |
| Salt Lake City, UT | 1 | $ 365,000 | $ 365,000 | $ 97,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 685,000 | $ 685,000 | $ 158,000 |
| San Rafael, CA | 1 | $ 1,065,000 | $ 1,065,000 | $ 676,000 |
| Sebring, FL | 1 | $ 305,000 | $ 305,000 | $ 81,000 |
| Shreveport-Bossier City, LA | 1 | $ 955,000 | $ 955,000 | $ 0 |
| Slidell-Mandeville-Covington, LA | 1 | $ 245,000 | $ 245,000 | $ 175,000 |
| Spokane-Spokane Valley, WA | 1 | $ 605,000 | $ 605,000 | $ 223,000 |
| St. George, UT | 1 | $ 415,000 | $ 415,000 | $ 703,000 |
| St. Louis, MO-IL | 1 | $ 365,000 | $ 365,000 | $ 104,000 |
| Texarkana, TX-AR | 1 | $ 225,000 | $ 225,000 | $ 64,000 |
| Tulsa, OK | 1 | $ 235,000 | $ 235,000 | $ 47,000 |
| Tyler, TX | 1 | $ 175,000 | $ 175,000 | $ 61,000 |
| Vallejo-Fairfield, CA | 1 | $ 505,000 | $ 505,000 | $ 119,000 |
| Waterbury-Shelton, CT | 1 | $ 275,000 | $ 275,000 | $ 62,000 |
| Yuba City, CA | 1 | $ 555,000 | $ 555,000 | $ 157,000 |
Mortgage Loan Application Detail Totals for Genhome Mortgage Corporation in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 870 | $390,810,000 | $449,000 | $5,005,000 | $165,000 | $6,615,000 |
| Cash-out Refinancing | 96 | $47,930,000 | $499,000 | $2,005,000 | $237,000 | $2,384,000 |
| Refinancing | 26 | $12,670,000 | $487,000 | $1,655,000 | $226,000 | $1,342,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 426 | $195,990,000 | $460,000 | $3,015,000 | $156,000 | $6,615,000 |
| Not Provided | 177 | $86,795,000 | $490,000 | $1,845,000 | $152,000 | $1,023,000 |
| Black or African American | 162 | $59,160,000 | $365,000 | $2,405,000 | $141,000 | $3,876,000 |
| White | 152 | $70,780,000 | $465,000 | $1,995,000 | $209,000 | $4,413,000 |
| Asian | 72 | $37,990,000 | $527,000 | $5,005,000 | $333,000 | $5,005,000 |
| American Indian or Alaskan Native | 3 | $695,000 | $231,000 | $345,000 | $80,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 714 | $326,280,000 | $456,000 | $1,235,000 | $126,000 | $388,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 262 | $118,320,000 | $451,000 | $5,005,000 | $305,000 | $6,615,000 |
| VA-guaranteed (Veterans Administration) | 13 | $6,155,000 | $473,000 | $915,000 | $182,000 | $957,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $655,000 | $218,000 | $275,000 | $100,000 | $171,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 505 | $238,205,000 | $471,000 | $5,005,000 | $185,000 | $6,615,000 |
| Loan Originated | 367 | $161,455,000 | $439,000 | $1,635,000 | $165,000 | $3,876,000 |
| Application Denied By Financial Institution | 119 | $51,475,000 | $432,000 | $2,405,000 | $152,000 | $1,482,000 |
| Application Approved But Not Accepted | 1 | $275,000 | $275,000 | $275,000 | $104,000 | $104,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 873 | $399,935,000 | $458,000 | $5,005,000 | $176,000 | $6,615,000 |
| Unverifiable Information | 61 | $30,655,000 | $502,000 | $2,405,000 | $182,000 | $1,482,000 |
| Debt-To-Income Ratio | 23 | $7,335,000 | $318,000 | $795,000 | $88,000 | $190,000 |
| Credit History | 14 | $4,320,000 | $308,000 | $725,000 | $129,000 | $216,000 |
| Other | 9 | $3,875,000 | $430,000 | $795,000 | $132,000 | $331,000 |
| Collateral | 7 | $3,075,000 | $439,000 | $985,000 | $196,000 | $348,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,890,000 | $472,000 | $855,000 | $139,000 | $277,000 |
| Employment History | 1 | $325,000 | $325,000 | $325,000 | $110,000 | $110,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Genhome Mortgage Corporation's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Genhome Mortgage Corporation's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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