Lender in Michigan · HMDA 2025
Genisys Credit Union mortgages in Michigan
Genisys Credit Union's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Genisys Credit Union originated 764 owner-occupied single-family loans in Michigan from 880 completed applications.
Its median conventional purchase loan costs were $3,550 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
764
of 880 applications
Denial rate
9.0%
Purchase · MI 7.8%
Rate spread
+0.21 pts
Conv. · MI +0.23 pts
Loan amount
$285,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 610 | 547 | 9.0% | 6.625% | +0.21 pts | $3,550 | $285,000 |
| Refinance | 104 | 83 | 16.4% | 6.375% | +0.22 pts | $2,650 | $175,000 |
| Cash-out refinance | 166 | 134 | 16.3% | 6.625% | +0.27 pts | $2,730 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Genisys Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Oakland County | 13 | 319 | 1.7% |
| Grand Traverse County | 13 | 19 | 1.6% |
| Sanilac County | 13 | 7 | 1.6% |
| Lapeer County | 14 | 22 | 1.7% |
| Huron County | 14 | 4 | 1.4% |
| Antrim County | 15 | 4 | 1.5% |
| Charlevoix County | 16 | 3 | 1.3% |
| Genesee County | 17 | 76 | 1.4% |
| St. Clair County | 17 | 30 | 1.3% |
| Leelanau County | 17 | 4 | 1.8% |
| Macomb County | 21 | 121 | 0.9% |
| Tuscola County | 21 | 6 | 1.0% |
| Crawford County | 24 | 2 | 1.1% |
| Ogemaw County | 25 | 2 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology