Genisys Credit Union in Tennessee vs the state
17.2%Denial rate+0.10 pts vs state
20.0%Decision denial rate-1.68 pts vs state
69.0%Origination rate+10.89 pts vs state
5.88%Median rate-0.75 pts vs state
0.02Rate spread (pts)-0.21 pts vs state
$283kMedian applicant income
20Loans originated
5Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 3 | 50.0% | 6.50% | #693 |
| 2024 | 7 | 2 | 42.9% | 5.69% | #674 |
| 2025 | 29 | 20 | 17.2% | 5.88% | #484 |
What Genisys Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Genisys Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williamson County | 7 | 5 | 1 | 14.3% |
| Davidson County | 6 | 3 | 3 | 50.0% |
| Knox County | 5 | 3 | 0 | 0.0% |
| Maury County | 2 | 2 | 0 | 0.0% |
| Montgomery County | 2 | 1 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Loudon County | 1 | 1 | 0 | 0.0% |
| Putnam County | 1 | 1 | 0 | 0.0% |
| Rutherford County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 29 applications in 2025, of which 20 were originated and 5 denied.
17.2% of all applications, or 20.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Genisys Credit Union originated in Tennessee in 2025 was 5.88%, against a statewide median of 6.62%.
About this data. Figures are Genisys Credit Union's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology