Genisys Credit Union in Minnesota vs the state
13.6%Denial rate0.00 pts vs state
17.7%Decision denial rate+1.36 pts vs state
59.7%Origination rate-6.72 pts vs state
7.24%Median rate+0.62 pts vs state
0.46Rate spread (pts)+0.21 pts vs state
$140kMedian applicant income
136Loans originated
31Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 212 | 123 | 16.5% | 8.25% | #118 |
| 2024 | 230 | 143 | 10.4% | 8.00% | #117 |
| 2025 | 228 | 136 | 13.6% | 7.24% | #132 |
What Genisys Credit Union lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Genisys Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dakota County | 63 | 31 | 13 | 20.6% |
| Hennepin County | 49 | 27 | 6 | 12.2% |
| Ramsey County | 29 | 20 | 2 | 6.9% |
| Anoka County | 24 | 20 | 1 | 4.2% |
| Washington County | 15 | 10 | 1 | 6.7% |
| Scott County | 8 | 6 | 1 | 12.5% |
| Olmsted County | 6 | 5 | 1 | 16.7% |
| Carver County | 6 | 4 | 0 | 0.0% |
| Wright County | 5 | 3 | 0 | 0.0% |
| Chisago County | 4 | 3 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 228 applications in 2025, of which 136 were originated and 31 denied.
13.6% of all applications, or 17.7% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Genisys Credit Union originated in Minnesota in 2025 was 7.24%, against a statewide median of 6.63%.
About this data. Figures are Genisys Credit Union's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology