Genco Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
1st57.1% deniedProcesswithdrawn + incomplete share, weight 15%
12th23.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 162 | 36 | 45.7% | 66.1% | — | $4.4M |
| 2024 | 218 | 62 | 41.3% | 57.0% | — | $7.0M |
| 2025 | 205 | 64 | 43.4% | 57.1% | — | $10M |
What Genco Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 6 manufactured homes, 4 investment properties.
Who gets approved at Genco Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 36 | 5 | 82.8% |
| $50k – $100k | 71 | 19 | 65.5% |
| $100k – $150k | 55 | 24 | 44.2% |
| $150k – $250k | 32 | 12 | 30.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 41 | 11 | 56.0% |
| 35–44 | 39 | 9 | 69.0% |
| 45–54 | 57 | 19 | 57.1% |
| 55–64 | 35 | 12 | 50.0% |
| 65–74 | 24 | 9 | 55.0% |
Where Genco Federal Credit Union lends
2 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 204 | 63 | 43.6% | — | #413 |
Frequently asked questions
Genco Federal Credit Union denied 57.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 1st percentile of small mortgage lenders.
In 2025, 16% of its applications were for home purchases, 44% for refinancing (including cash-out), and 40% for home improvement or other purposes. By loan type: 99% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.