Real Genius LLC mortgage approval rate & lending review
Real Genius LLC decided 860 mortgage applications and funded 485 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Real Genius LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to realgenius.com.
Real Genius LLC at a glance
Approval is 21.9 points below the 79.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 55% | 180 / 327 | 99% | $395K | 179 |
| Cash-out refinance | 29% | 56 / 191 | 95% | $245K | 53 |
| Refinance | 78% | 182 / 233 | 97% | $425K | 177 |
| Investment property purchase | 73% | 36 / 49 | 100% | $275K | 36 |
| Investment refinance | 80% | 33 / 41 | 97% | $335K | 32 |
Real Genius LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 50% | $315K | 119 | 58 |
| Florida | 56% | $395K | 98 | 54 |
| North Carolina | 69% | $355K | 67 | 44 |
| Georgia | 53% | $565K | 55 | 29 |
| Illinois | 55% | $395K | 42 | 20 |
| California | 62% | $655K | 39 | 23 |
| Arizona | 64% | $385K | 33 | 21 |
| Ohio | 53% | $165K | 30 | 16 |
| South Carolina | 65% | $355K | 26 | 17 |
| Maryland | 60% | $545K | 25 | 15 |
| Massachusetts | 64% | $515K | 25 | 16 |
| Michigan | 32% | $335K | 25 | 8 |
| Pennsylvania | 25% | $285K | 24 | 6 |
| Tennessee | 58% | $385K | 24 | 14 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Questions about Real Genius LLC
What is Real Genius LLC's mortgage approval rate?
Real Genius LLC approved 57.6% of the 860 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 21.9 points below the 79.5% national rate for the same mix of loan types.
How often do borrowers take the loan Real Genius LLC offers?
Borrowers accepted 98% of the loans Real Genius LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Real Genius LLC make?
The typical home purchase mortgage loan Real Genius LLC made was $395K; across all loan types its typical loan ran from $245K to $425K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Real Genius LLC lend?
Real Genius LLC decided applications in 43 of the states Fat Boy Data covers, most of them in Texas, Florida and North Carolina.
Can I apply to Real Genius LLC directly?
Yes. Real Genius LLC reports as a direct lender that takes applications from borrowers. Its website is realgenius.com.
Does this page show Real Genius LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Real Genius LLC treats applications, then get a rate quote from the lender.