Genisys Credit Union mortgage approval rate & lending review
Genisys Credit Union decided 7,908 mortgage applications and funded 6,389 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Genisys Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Genisys Credit Union at a glance
Approval is 8.9 points above the 74.3% 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 | 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 |
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.
Where Genisys Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oakland County, MI | Home improvement loans | 81% | 1,528 | 1,192 |
| Oakland County, MI | Mortgage lenders | 88% | 897 | 774 |
| Oakland County, MI | Refinance | 81% | 723 | 570 |
| Macomb County, MI | Home improvement loans | 76% | 463 | 343 |
| Macomb County, MI | Mortgage lenders | 88% | 343 | 295 |
| Genesee County, MI | Home improvement loans | 77% | 283 | 214 |
| Oakland County, MI | Cash-out refinance | 88% | 233 | 197 |
| Genesee County, MI | Mortgage lenders | 89% | 218 | 192 |
| Macomb County, MI | Refinance | 81% | 238 | 188 |
| Wayne County, MI | Home improvement loans | 67% | 213 | 137 |
| St. Clair County, MI | Home improvement loans | 80% | 163 | 123 |
| Genesee County, MI | Refinance | 88% | 122 | 103 |
The county markets where Genisys Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Genisys Credit Union
What is Genisys Credit Union's mortgage approval rate?
Genisys Credit Union approved 83.2% of the 7,908 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.9 points above the 74.3% national rate for the same mix of loan types.
How often do borrowers take the loan Genisys Credit Union offers?
Borrowers accepted 97% of the loans Genisys Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Genisys Credit Union make?
The typical home improvement loan loan Genisys Credit Union made was $55K; across all loan types its typical loan ran from $55K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Genisys Credit Union lend?
Genisys Credit Union decided applications in 33 of the states Fat Boy Data covers, most of them in Michigan, Minnesota and Florida.
Can I apply to Genisys Credit Union directly?
Yes. Genisys Credit Union is a bank or credit union with 32 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Genisys Credit Union'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 Genisys Credit Union treats applications, then get a rate quote from the lender.