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Genisys Credit Union
Credit Union|Auburn Hills, MI|Multi-Region
Loans Originated
921
Applications
1,306
Volume
$268 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Jumbo Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.142%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$933
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
70.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Report Card
Genisys Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 6 metro areas · 19 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$291,960
Average Borrower Income
$181,965
Average Property Value
$425,022
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 875 | 95.0% | +0.152% | $944 |
Jumbo Loans | Strong | Strong | Strong | Exceptional | 46 | 5.0% | -0.058% | $726 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Sound | 604 | 65.6% | +0.123% | $983 |
Refinance | Strong | Strong | Sound | Strong | 317 | 34.4% | +0.181% | $829 |
Geographic Coverage
Metro Areas
5
States Served
19
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Warren, MIMSA
Volume: 574Mix: 62.32%
Place Specialization
Exceptional
2
Flint, MI, MIMSA
Volume: 79Mix: 8.58%
Place Specialization
Strong
3
Detroit, MIMSA
Volume: 46Mix: 4.99%
Place Specialization
Sound
4
Minneapolis, MN-WIMSA
Volume: 23Mix: 2.50%
Place Specialization
Sound
5
Ann Arbor, MI, MIMSA
Volume: 13Mix: 1.41%
Place Specialization
Sound
Top States by Place Specialization Score
1
MIState
Volume: 810Mix: 87.95%
Place Specialization
Exceptional
2
MNState
Volume: 30Mix: 3.26%
Place Specialization
Sound
3
FLState
Volume: 29Mix: 3.15%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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