# Genisys Credit Union

> **Canonical URL:** https://saferate.com/lenders/genisys-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Genisys Credit Union is a credit union, headquartered in Auburn Hills, MI, serving borrowers across 19 states, with 921 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 46% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 34% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300QIUZLVR1OLDH55
- **Headquarters:** Auburn Hills, MI
- **Geographic Reach:** Multi-Region
- **States Served:** 19
- **State List:** CA, CO, FL, GA, IL, IN, KY, MI, MN, MS, NC, NJ, OH, OK, OR, PA, SC, TN, VA
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.142%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $933
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 921
- **Dollar Volume:** $269 million
- **Applications Received:** 1,306
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $291,960
- **Average Borrower Income:** $181,965
- **Average Property Value:** $425,022

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (77%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 875 | +0.152% | $944 | Strong 😀 |
| Jumbo | 75/100 | 46 | -0.058% | $726 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 577 loans, Score: 66/100 (Strong)
- Refinance: 298 loans, Score: 73/100 (Strong)

**Jumbo:**
- Purchase: 27 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 604 | $189M | +0.123% | Strong 😀 |
| Refinance | 72/100 | 317 | $80M | +0.181% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 810 | 0.72% | 85/100 |
| MN | 30 | 0.05% | 50/100 |
| FL | 29 | 0.01% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Warren | MI | 574 | 88/100 |
| Non |  | 82 | 48/100 |
| Flint, MI | MI | 79 | 74/100 |
| Detroit | MI | 46 | 60/100 |
| Minneapolis | MN-WI | 23 | 48/100 |
| Ann Arbor, MI | MI | 13 | 47/100 |

## Where This Lender Ranks

Genisys Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Michigan for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Warren for Jumbo Loans
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Warren for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Michigan for Jumbo Loans
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/jumbo-loans)
- 🏆 **#5** in Warren Credit Unions
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Flint, MI Credit Unions
  - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in Warren for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Ann Arbor, MI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Detroit Credit Unions
  - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders/credit-unions)
- 🏆 **#8** in Detroit for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#9** in Michigan Credit Unions
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/credit-unions)
- 🏆 **#10** in Flint, MI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#13** in Flint, MI
  - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders)
- 🏆 **#14** in Michigan for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#18** in Warren
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Genisys Credit Union offer?

Genisys Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Genisys Credit Union offer mortgages?

Genisys Credit Union offers mortgages in 19 states: CA, CO, FL, GA, IL, IN, KY, MI, MN, MS, NC, NJ, OH, OK, OR, PA, SC, TN, VA.

### How competitive are Genisys Credit Union's mortgage rates?

Genisys Credit Union has a pricing score of 54/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.142% above market average.

### What type of lender is Genisys Credit Union?

Genisys Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Auburn Hills, MI.

### What is Genisys Credit Union's loan approval success rate?

Genisys Credit Union has a pull-through score of 66/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/genisys-credit-union

### How to Cite

> "Genisys Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/genisys-credit-union

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