Genisys Credit Union in Michigan vs the state
17.0%Denial rate-1.53 pts vs state
20.9%Decision denial rate-1.66 pts vs state
62.2%Origination rate+2.29 pts vs state
7.24%Median rate+0.49 pts vs state
0.64Rate spread (pts)+0.25 pts vs state
$104kMedian applicant income
2,770Loans originated
757Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,858 | 2,396 | 16.8% | 7.74% | #15 |
| 2024 | 4,541 | 2,932 | 17.5% | 7.50% | #12 |
| 2025 | 4,455 | 2,770 | 17.0% | 7.24% | #16 |
What Genisys Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Genisys Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 2,166 | 1,324 | 376 | 17.4% |
| Macomb County | 695 | 419 | 136 | 19.6% |
| Genesee County | 385 | 263 | 52 | 13.5% |
| Wayne County | 319 | 179 | 70 | 21.9% |
| St. Clair County | 211 | 120 | 40 | 19.0% |
| Lapeer County | 116 | 79 | 12 | 10.3% |
| Livingston County | 94 | 67 | 8 | 8.5% |
| Washtenaw County | 84 | 60 | 10 | 11.9% |
| Grand Traverse County | 43 | 37 | 2 | 4.7% |
| Tuscola County | 43 | 23 | 11 | 25.6% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 4,455 applications in 2025, of which 2,770 were originated and 757 denied.
17.0% of all applications, or 20.9% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Genisys Credit Union originated in Michigan in 2025 was 7.24%, against a statewide median of 6.75%.
About this data. Figures are Genisys Credit Union's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology