Lender profile · HMDA 2023–2025
Genisys Credit Union mortgage approval rates & lending data
Genisys Credit Union decided 7,908 mortgage applications and funded 6,389 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 2,244 / 2,505 | 98% | $255K | 2,198 |
| Home improvement loans | 79% | 2,390 / 3,028 | 96% | $55K | 2,299 |
| Cash-out refinance | 84% | 432 / 512 | 97% | $175K | 419 |
| Refinance | 82% | 1,188 / 1,444 | 97% | $95K | 1,156 |
| Investment property purchase | 90% | 201 / 223 | 99% | $315K | 199 |
| Investment cash-out refinance | 80% | 86 / 107 | 98% | $135K | 84 |
| Investment refinance | 76% | 25 / 33 | 92% | $295K | 23 |
| Investment home improvement | 25% | 14 / 56 | 79% | $105K | 11 |
Genisys Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 82% | $95K | 6,711 | 5,359 |
| Minnesota | 86% | $105K | 314 | 255 |
| Florida | 89% | $335K | 188 | 163 |
| California | 98% | $1.16M | 148 | 142 |
| Pennsylvania | 82% | $335K | 89 | 71 |
| New Jersey | 92% | $745K | 50 | 43 |
| Illinois | 89% | $735K | 45 | 40 |
| North Carolina | 93% | $815K | 44 | 39 |
| Ohio | 83% | $615K | 41 | 33 |
| Georgia | 90% | $655K | 40 | 34 |
| Colorado | 85% | $425K | 27 | 22 |
| Tennessee | 78% | $1.44M | 27 | 21 |
| Indiana | 91% | $605K | 22 | 20 |
| Oregon | 95% | $835K | 21 | 20 |
| Wisconsin | 100% | $565K | 20 | 19 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.