Genisys Credit Union in Virginia vs the state
6.7%Denial rate-9.27 pts vs state
8.7%Decision denial rate-11.55 pts vs state
70.0%Origination rate+10.48 pts vs state
6.38%Median rate-0.25 pts vs state
0.10Rate spread (pts)-0.12 pts vs state
$200kMedian applicant income
21Loans originated
2Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 3 | 0.0% | 8.50% | #643 |
| 2024 | 9 | 3 | 11.1% | 10.50% | #572 |
| 2025 | 30 | 21 | 6.7% | 6.38% | #443 |
What Genisys Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Genisys Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chesterfield County | 5 | 3 | 0 | 0.0% |
| Fairfax County | 2 | 0 | 1 | 50.0% |
| Henrico County | 2 | 1 | 0 | 0.0% |
| Frederick County | 1 | 0 | 0 | 0.0% |
| Henry County | 1 | 1 | 0 | 0.0% |
| Albemarle County | 1 | 1 | 0 | 0.0% |
| Lynchburg city | 1 | 1 | 0 | 0.0% |
| Fredericksburg city | 1 | 1 | 0 | 0.0% |
| Lancaster County | 1 | 1 | 0 | 0.0% |
| Virginia Beach city | 1 | 1 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 30 applications in 2025, of which 21 were originated and 2 denied.
6.7% of all applications, or 8.7% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Genisys Credit Union originated in Virginia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Genisys Credit Union's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology