Genisys Credit Union in California vs the state
2.4%Denial rate-15.04 pts vs state
2.9%Decision denial rate-19.52 pts vs state
78.6%Origination rate+22.37 pts vs state
6.00%Median rate-0.63 pts vs state
0.01Rate spread (pts)-0.26 pts vs state
$349kMedian applicant income
132Loans originated
4Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 9 | 11.8% | 7.50% | #667 |
| 2024 | 11 | 9 | 0.0% | 6.00% | #708 |
| 2025 | 168 | 132 | 2.4% | 6.00% | #387 |
What Genisys Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Genisys Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 37 | 25 | 1 | 2.7% |
| San Bernardino County | 17 | 16 | 0 | 0.0% |
| Riverside County | 17 | 14 | 1 | 5.9% |
| Orange County | 17 | 13 | 1 | 5.9% |
| San Diego County | 16 | 12 | 0 | 0.0% |
| Sacramento County | 8 | 6 | 0 | 0.0% |
| San Francisco County | 7 | 7 | 0 | 0.0% |
| Kern County | 7 | 6 | 0 | 0.0% |
| Santa Clara County | 6 | 3 | 0 | 0.0% |
| Contra Costa County | 5 | 4 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 168 applications in 2025, of which 132 were originated and 4 denied.
2.4% of all applications, or 2.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Genisys Credit Union originated in California in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Genisys Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology