Genisys Credit Union reported 168 applications for homes in California in the HMDA data of 2025.
It originated 132 loans in the state in 2025, for $144 million in total.
The median interest rate of these loans in 2025 was 5.875%, and the median of all lenders in California was 6.375%.
The median total loan costs in 2025 were $6,590, and the state median was $8,053.
It denied 2.9% of the applications that it decided in the state in 2025, and the state denial rate was 22.4%.
Filed figures of Genisys Credit Union in California, 2025
Figure
In CA
Lender, all states
CA, all lenders
Applications
168
5,610
1,018,191
Loans originated
132
3,566
572,268
Median interest rate
5.875%
6.250%
6.375%
Median total loan costs
$6,590
$3,744
$8,053
Denial rate
2.9%
18.7%
22.4%
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.
Pricing medians of Genisys Credit Union in California, 2025Each value has the median of all lenders in California under it.
Loans
Loans in the medians
Interest rate
Total loan costs
Origination charges
Discount points, of the loans with points
Lender credits, of the loans with credits
Rate spread, points
All loans in CA
118
5.875%CA 6.375%
$6,590CA $8,053
$850CA $2,357
n/aCA $3,758
$250CA $1,535
−0.002CA 0.082
Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.
The median rate spread was 0.002 percentage points below the average prime offer rate. On a loan of $300,000, that is about $6 less a year, or $1 less a month.
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.
Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date
HMDA year . Page made .
Provenance
The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in California. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.
Questions
What share of the loans of Genisys Credit Union were in California in 2025?
132 of its loans originated, out of 3,566 in all states. That is 3.7%.
In which counties of California did Genisys Credit Union originate the most loans in 2025?
Only one county has 50 applications or more of the lender: Los Angeles County, with 25 loans originated.
Which loan types did Genisys Credit Union originate in California in 2025?
All its loans in the state were of one type: 132 conventional.
How did the applications of Genisys Credit Union in California change from 2022 to 2025?
It reported 29 applications in 2022 and 168 in 2025.