Genisys Credit Union in New Jersey vs the state
7.7%Denial rate-10.00 pts vs state
10.8%Decision denial rate-12.24 pts vs state
57.7%Origination rate+2.01 pts vs state
6.00%Median rate-0.75 pts vs state
0.00Rate spread (pts)-0.28 pts vs state
$275kMedian applicant income
30Loans originated
4Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 5 | 0.0% | 8.50% | #532 |
| 2024 | 17 | 13 | 5.9% | 6.88% | #467 |
| 2025 | 52 | 30 | 7.7% | 6.00% | #351 |
What Genisys Credit Union lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Genisys Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 13 | 6 | 1 | 7.7% |
| Ocean County | 9 | 4 | 1 | 11.1% |
| Mercer County | 7 | 4 | 1 | 14.3% |
| Essex County | 4 | 2 | 1 | 25.0% |
| Monmouth County | 3 | 2 | 0 | 0.0% |
| Burlington County | 3 | 3 | 0 | 0.0% |
| Somerset County | 2 | 1 | 0 | 0.0% |
| Morris County | 2 | 1 | 0 | 0.0% |
| Gloucester County | 2 | 1 | 0 | 0.0% |
| Bergen County | 2 | 1 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 52 applications in 2025, of which 30 were originated and 4 denied.
7.7% of all applications, or 10.8% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Genisys Credit Union originated in New Jersey in 2025 was 6.00%, against a statewide median of 6.75%.
About this data. Figures are Genisys Credit Union's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology