Name of the lender

Real Genius LLCMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2023 to 2025

Head office: Delray Beach, FL
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

Figures by state (CSV)

Real Genius LLC reported 702 mortgage applications in the HMDA data of 2025.

It originated 330 loans in 2025, for $141 million in total.

The median interest rate of its loans in 2025 was 5.990%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $3,777, and the national median was $6,413.

It denied 16.5% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Real Genius LLC, 2025
Figure	This lender	United States
Applications	702Under 0.1% of the US total	11,766,671
Loans originated	330$141 million	6,827,891
Median interest rate	5.990%	6.375%
Median total loan costs	$3,777	$6,413
Denial rate	16.5%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Interest rate and total loan costs of Real Genius LLC by loan type, 2025Medians. Each value has the national median of the same loan type under it.
Loan type	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
All loans	330	5.990%US 6.375%	$3,777US $6,413	−0.146US 0.161
Conventional	330	5.990%US 6.500%	$3,777US $5,393	−0.146US 0.175

Interest rate and total loan costs of Real Genius LLC by loan purpose, 2025Medians, with the national median under each value.
Loan purpose	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
Home purchase	85	6.125%US 6.500%	$4,961US $6,632	−0.068US 0.169
Refinancing	214	5.932%US 5.999%	$3,534US $4,883	−0.179US −0.069
Cash-out refinancing	31	6.250%US 6.500%	$4,281US $8,095	−0.011US 0.376

Parts of the total loan costs of Real Genius LLC by loan type, 2025Medians, with the national median under each value.
Loan type	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits
All loans	$1,295US $2,062	$1,303US $2,823	$1,243US $567
Conventional	$1,295US $1,981	$1,303US $2,588	$1,243US $604

The median rate spread of these loans was 0.146 percentage points below the average prime offer rate (APOR). On a loan of $300,000, that is about $438 less a year, or $37 less a month. The national median spread was 0.161 points.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different. What a rate spread is.

Median interest rate by year: Real Genius LLC and the United States

Real Genius LLCUnited States

Action takenHMDA codes and labels

Records of Real Genius LLC by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	330	47.0%	50.4%
2Application approved but not accepted	9	1.3%	3.1%
3Application denied	67	9.5%	15.6%
4Application withdrawn by applicant	219	31.2%	12.6%
5File closed for incompleteness	77	11.0%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

Denials of Real Genius LLC by the first reason that it coded, 2025
Denial reason	Denials	Share	US share
1Debt-to-income ratio	31	46.3%	32.7%
2Employment history	2	3.0%	0.9%
3Credit history	7	10.4%	25.6%
4Collateral	13	19.4%	13.8%
5Insufficient cash (downpayment, closing costs)	4	6.0%	2.3%
6Unverifiable information	3	4.5%	4.2%
7Credit application incomplete	7	10.4%	12.0%
8Mortgage insurance denied	0	0.0%	0.0%
9Other	0	0.0%	8.5%

A lender can code up to four reasons for a denial. This table counts the first reason only.

Loan types and purposesLoans of 2025

Applications of Real Genius LLC by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	702	330	16.5%US 23.4%

Applications of Real Genius LLC by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	185	85	25.8%
Home improvement	0	0	0.0%
Refinancing	449	214	64.8%
Cash-out refinancing	68	31	9.4%
Other purpose	0	0	0.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends9 states with 25 applications or more

Real Genius LLC by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
California	45	23	5.990%	$3,529	20.0%
Florida	73	25	5.875%	$4,623	21.9%
Georgia	61	25	5.990%	$3,639	28.6%
Illinois	48	18	n/a	n/a	34.4%
Maryland	25	13	n/a	n/a	n/a
North Carolina	56	30	5.990%	$3,686	11.1%
Ohio	25	13	n/a	n/a	n/a
Texas	74	27	6.125%	$4,278	20.0%
Washington	26	8	n/a	n/a	n/a

Figures by yearHMDA 2022 to 2025

Real Genius LLC by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	702	330	5.990%	$3,777	16.5%	702
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	959	243	6.499%	$4,052	63.4%	959
2022	n/a	n/a	n/a	n/a	n/a	n/a

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Real Genius LLC and the United States

Real Genius LLCUnited States

VA lender statisticsLoans that VA guaranteed, by month

VA-guaranteed loans of REAL GENIUS, LLC, Sep 2025 to Aug 2026National figures from the Department of Veterans Affairs. VA counts a loan in the month of the guarantee.
Month	All	Purchase	Cash-out refinance	IRRRL
August 2026	12	2	6	4
July 2026	5	2	1	2
June 2026	0	0	0	0
May 2026	0	0	0	0
April 2026	0	0	0	0
March 2026	0	0	0	0
February 2026	0	0	0	0
January 2026	0	0	0	0
December 2025	0	0	0	0
November 2025	0	0	0	0
October 2025	0	0	0	0
September 2025	0	0	0	0

IRRRL is the VA Interest Rate Reduction Refinance Loan. The VA name of the lender is "REAL GENIUS, LLC". Every month.

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

Agfirst Farm Credit BankColumbia, SC
Aspire Home LoansAustin, TX
Berkeley Point Capital LLCBoston, MA
Countryplace Mortgage, Ltd.Plano, TX
Devon BankChicago, IL
First Continental Mortgage, Ltd.Houston, TX
Greystone Servicing Corporation, Inc.Memphis, TN
Orchard Mortgage, LLCAustin, TX
Redwood Residential Acquisition CorporationMill Valley, CA
Southwest Airlines FCUDallas, TX
The Northern Trust CoChicago, IL
Toyota Financial Savings BankHenderson, NV

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Real Genius LLC mortgage rates, costs and denial rate, 2025", https://lenderregister.com/lender/984500fad1fb7fegte82-real-genius-llc/
Lender: Real Genius LLC, LEI 984500FAD1FB7FEGTE82
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2023 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI. The VA figures are from the VA lender statistics.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Real Genius LLC buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
Which denial reasons did Real Genius LLC code most often in 2025?: The first reasons that it coded most often were debt-to-income ratio (31), collateral (13) and credit history (7).
In which states did Real Genius LLC originate the most loans in 2025?: The three states with the most loans were North Carolina (30), Texas (27) and Florida (25). It had 25 applications or more in 9 states.
Which loan types did Real Genius LLC originate in 2025?: All its loans were of one type: 330 Conventional.