Genisys Credit Union in Florida vs the state
10.0%Denial rate-11.06 pts vs state
13.0%Decision denial rate-14.20 pts vs state
66.0%Origination rate+13.31 pts vs state
6.13%Median rate-0.50 pts vs state
0.03Rate spread (pts)-0.24 pts vs state
$260kMedian applicant income
99Loans originated
15Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 29 | 11.5% | 6.99% | #617 |
| 2024 | 71 | 51 | 9.9% | 6.74% | #540 |
| 2025 | 150 | 99 | 10.0% | 6.13% | #419 |
What Genisys Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Genisys Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 20 | 10 | 3 | 15.0% |
| Lee County | 16 | 13 | 1 | 6.3% |
| Miami-Dade County | 13 | 10 | 1 | 7.7% |
| Manatee County | 11 | 8 | 0 | 0.0% |
| Hillsborough County | 9 | 5 | 2 | 22.2% |
| Brevard County | 7 | 5 | 0 | 0.0% |
| Volusia County | 6 | 3 | 0 | 0.0% |
| Orange County | 6 | 5 | 0 | 0.0% |
| Pinellas County | 6 | 5 | 0 | 0.0% |
| St. Johns County | 4 | 3 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 150 applications in 2025, of which 99 were originated and 15 denied.
10.0% of all applications, or 13.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Genisys Credit Union originated in Florida in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Genisys Credit Union's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology