Name of the lender

Genisys Credit UnionMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2018 to 2025

Head office: Auburn Hills, MI
Reporting agency: National Credit Union Administration (NCUA)
Legal Entity Identifier (LEI)

Figures by state (CSV)

Genisys Credit Union reported 5,610 mortgage applications in the HMDA data of 2025.

It originated 3,566 loans in 2025, for $1.2 billion in total.

The median interest rate of its loans in 2025 was 6.250%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $3,744, and the national median was $6,413.

It denied 18.7% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Genisys Credit Union, 2025
Figure	This lender	United States
Applications	5,610Under 0.1% of the US total	11,766,671
Loans originated	3,566$1.2 billion	6,827,891
Median interest rate	6.250%	6.375%
Median total loan costs	$3,744	$6,413
Denial rate	18.7%	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 Genisys Credit Union 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	1,591	6.250%US 6.375%	$3,744US $6,413	0.134US 0.161
Conventional	1,591	6.250%US 6.500%	$3,744US $5,393	0.134US 0.175

Interest rate and total loan costs of Genisys Credit Union 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	1,187	6.125%US 6.500%	$4,425US $6,632	0.082US 0.169
Home improvement	62	6.740%US 6.750%	$224US $2,827	0.801US 0.594
Refinancing	129	6.250%US 5.999%	$2,975US $4,883	0.160US −0.069
Cash-out refinancing	178	6.500%US 6.500%	$2,832US $8,095	0.267US 0.376
Other purpose	35	7.240%US 6.625%	$224US $3,894	1.484US 0.527

Parts of the total loan costs of Genisys Credit Union 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	$850US $2,062	$1,084US $2,823	$100US $567
Conventional	$850US $1,981	$1,084US $2,588	$100US $604

The median rate spread of these loans was 0.134 percentage points above the average prime offer rate (APOR). On a loan of $300,000, that is about $402 more a year, or $34 more 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: Genisys Credit Union and the United States

Genisys Credit UnionUnited States

Action takenHMDA codes and labels

Records of Genisys Credit Union by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	3,566	63.6%	50.4%
2Application approved but not accepted	114	2.0%	3.1%
3Application denied	845	15.1%	15.6%
4Application withdrawn by applicant	653	11.6%	12.6%
5File closed for incompleteness	432	7.7%	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 Genisys Credit Union by the first reason that it coded, 2025
Denial reason	Denials	Share	US share
1Debt-to-income ratio	264	31.2%	32.7%
2Employment history	5	0.6%	0.9%
3Credit history	307	36.3%	25.6%
4Collateral	159	18.8%	13.8%
5Insufficient cash (downpayment, closing costs)	1	0.1%	2.3%
6Unverifiable information	0	0.0%	4.2%
7Credit application incomplete	109	12.9%	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 Genisys Credit Union by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	5,610	3,566	18.7%US 23.4%

Applications of Genisys Credit Union by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	1,928	1,420	39.8%
Home improvement	1,300	780	21.9%
Refinancing	845	556	15.6%
Cash-out refinancing	320	188	5.3%
Other purpose	1,217	622	17.4%

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 lends15 states with 25 applications or more

Genisys Credit Union 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	168	132	5.875%	$6,590	2.9%
Colorado	30	23	n/a	n/a	7.7%
Florida	150	99	6.000%	$6,070	13.0%
Georgia	48	35	6.000%	$5,287	5.4%
Illinois	48	38	5.875%	$6,208	9.5%
Indiana	28	18	n/a	n/a	n/a
Michigan	4,455	2,770	6.500%	$3,304	20.9%
Minnesota	228	136	6.250%	$3,755	17.7%
New Jersey	52	30	5.875%	$7,694	10.8%
North Carolina	46	34	6.000%	$4,538	7.9%
Ohio	40	29	6.063%	$5,149	6.5%
Pennsylvania	71	39	5.938%	$7,061	16.0%
Tennessee	29	20	5.875%	$5,040	20.0%
Virginia	30	21	n/a	n/a	n/a
Wisconsin	25	20	n/a	n/a	n/a

Counties of Genisys Credit Union with 50 applications or more, 2025In order of the names. The list has the 9 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Dakota County, MN	63	31	$3.6 million	27.1%
Genesee County, MI	385	263	$42.0 million	16.2%
Lapeer County, MI	116	79	$13.3 million	12.6%
Livingston County, MI	94	67	$14.0 million	10.5%
Macomb County, MI	695	419	$74.3 million	24.0%
Oakland County, MI	2,166	1,324	$341 million	21.5%
St. Clair County, MI	211	120	$13.5 million	23.8%
Washtenaw County, MI	84	60	$16.5 million	14.3%
Wayne County, MI	319	179	$33.8 million	27.8%

Figures by yearHMDA 2022 to 2025

Genisys Credit Union 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	5,610	3,566	6.250%	$3,744	18.7%	5,610
2024	5,058	3,243	6.625%	$3,024	20.5%	5,058
2023	4,333	2,650	6.740%	$2,955	21.2%	4,333
2022	5,728	3,905	4.125%	$2,643	18.8%	5,728
2021	n/a	n/a	n/a	n/a	n/a	6,419
2020	n/a	n/a	n/a	n/a	n/a	6,431
2019	n/a	n/a	n/a	n/a	n/a	4,827
2018	n/a	n/a	n/a	n/a	n/a	2,963

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

Denial rate by year: Genisys Credit Union and the United States

Genisys Credit UnionUnited States

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.

Comerica BankFarmington Hills, MI
Consumers Credit UnionKalamazoo, MI
Dart BankMason, MI
DFCU FinancialDearborn, MI
Michigan Schools and GovernmenClinton Township, MI
Mortgage 1 IncorporatedSterling Heights, MI
Mortgage Center LCSouthfield, MI
MSU Federal Credit UnionEast Lansing, MI
Staunton Financial IncSouthfield, MI
Success Mortgage Partners, IncPlymouth, MI
United Federal Credit UnionSt. Joseph, MI
Zippy Loans, LLCDallas, TX

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, "Genisys Credit Union mortgage rates and denial rate, 2025", https://lenderregister.com/lender/549300qiuzlvr1oldh55-genisys-credit-union/
Lender: Genisys Credit Union, LEI 549300QIUZLVR1OLDH55
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 2018 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.

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 Genisys Credit Union 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 Genisys Credit Union code most often in 2025?: The first reasons that it coded most often were credit history (307), debt-to-income ratio (264) and collateral (159).
In which states did Genisys Credit Union originate the most loans in 2025?: The three states with the most loans were Michigan (2,770), Minnesota (136) and California (132). It had 25 applications or more in 15 states.
Which loan types did Genisys Credit Union originate in 2025?: All its loans were of one type: 3,566 Conventional.