Genisys Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Genisys Credit Union 2009 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Genisys Credit Union 2100 Executive Hills Blvd Auburn Hills, MI 48326 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 1,556 |
| Total Mortgage Loan Application Amount | $210,198,000 |
| Average Mortgage Loan Application Amount | $104,666 |
| Highest Mortgage Loan Application Amount | $1,640,000 |
| Average Applicant Income | $75,333 |
| Highest Applicant Income | $1,906,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Genisys Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Genisys Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Genisys Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Genisys Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Genisys Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Genisys Credit Union's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oakland County Michigan | 567 | $ 70,177,000 | $ 123,000 | $ 80,000 |
| Macomb County Michigan | 74 | $ 7,156,000 | $ 96,000 | $ 76,000 |
| Wayne County Michigan | 73 | $ 6,516,000 | $ 89,000 | $ 68,000 |
| Lapeer County Michigan | 34 | $ 4,178,000 | $ 122,000 | $ 59,000 |
| Montgomery County Pennsylvania | 28 | $ 4,427,000 | $ 158,000 | $ 111,000 |
| Genesee County Michigan | 24 | $ 4,161,000 | $ 173,000 | $ 73,000 |
| St. Clair County Michigan | 21 | $ 2,039,000 | $ 97,000 | $ 64,000 |
| Washtenaw County Michigan | 21 | $ 2,428,000 | $ 115,000 | $ 68,000 |
| Livingston County Michigan | 19 | $ 3,268,000 | $ 172,000 | $ 112,000 |
| Dakota County Minnesota | 15 | $ 2,911,000 | $ 194,000 | $ 114,000 |
| Ramsey County Minnesota | 15 | $ 2,070,000 | $ 138,000 | $ 79,000 |
| Hennepin County Minnesota | 12 | $ 2,079,000 | $ 173,000 | $ 108,000 |
| Anoka County Minnesota | 11 | $ 1,618,000 | $ 147,000 | $ 73,000 |
| Chester County Pennsylvania | 11 | $ 3,123,000 | $ 283,000 | $ 144,000 |
| Orange County California | 9 | $ 2,819,000 | $ 313,000 | $ 159,000 |
| Wake County North Carolina | 9 | $ 1,694,000 | $ 188,000 | $ 77,000 |
| Los Angeles County California | 7 | $ 1,897,000 | $ 271,000 | $ 100,000 |
| Gwinnett County Georgia | 7 | $ 1,073,000 | $ 153,000 | $ 93,000 |
| Washington County Minnesota | 7 | $ 1,076,000 | $ 153,000 | $ 94,000 |
| Delaware County Pennsylvania | 7 | $ 1,108,000 | $ 158,000 | $ 79,000 |
| San Diego County California | 6 | $ 1,882,000 | $ 313,000 | $ 96,000 |
| Fulton County Georgia | 6 | $ 1,032,000 | $ 172,000 | $ 106,000 |
| Bucks County Pennsylvania | 6 | $ 1,262,000 | $ 210,000 | $ 126,000 |
| Roscommon County Michigan | 5 | $ 459,000 | $ 91,000 | $ 86,000 |
| Somerset County New Jersey | 4 | $ 1,129,000 | $ 282,000 | $ 145,000 |
| Maricopa County Arizona | 3 | $ 504,000 | $ 168,000 | $ 84,000 |
| Alcona County Michigan | 3 | $ 324,000 | $ 108,000 | $ 90,000 |
| Iosco County Michigan | 3 | $ 155,000 | $ 51,000 | $ 82,000 |
| Monroe County Michigan | 3 | $ 314,000 | $ 104,000 | $ 58,000 |
| Sanilac County Michigan | 3 | $ 230,000 | $ 76,000 | $ 63,000 |
| Scott County Minnesota | 3 | $ 914,000 | $ 304,000 | $ 134,000 |
| Philadelphia County Pennsylvania | 3 | $ 637,000 | $ 212,000 | $ 219,000 |
| Riverside County California | 2 | $ 537,000 | $ 268,000 | $ 153,000 |
| San Mateo County California | 2 | $ 680,000 | $ 340,000 | $ 157,000 |
| Santa Clara County California | 2 | $ 1,537,000 | $ 768,000 | $ 193,000 |
| Brevard County Florida | 2 | $ 290,000 | $ 145,000 | $ 74,000 |
| Broward County Florida | 2 | $ 532,000 | $ 266,000 | $ 77,000 |
| Charlotte County Florida | 2 | $ 382,000 | $ 191,000 | $ 164,000 |
| Orange County Florida | 2 | $ 247,000 | $ 123,000 | $ 76,000 |
| Palm Beach County Florida | 2 | $ 282,000 | $ 141,000 | $ 164,000 |
| Sumter County Florida | 2 | $ 145,000 | $ 72,000 | $ 85,000 |
| Forsyth County Georgia | 2 | $ 230,000 | $ 115,000 | $ 76,000 |
| Cook County Illinois | 2 | $ 282,000 | $ 141,000 | $ 76,000 |
| Middlesex County Massachusetts | 2 | $ 600,000 | $ 300,000 | $ 77,000 |
| Allegan County Michigan | 2 | $ 168,000 | $ 84,000 | $ 97,000 |
| Antrim County Michigan | 2 | $ 199,000 | $ 99,000 | $ 88,000 |
| Cheboygan County Michigan | 2 | $ 424,000 | $ 212,000 | $ 196,000 |
| Crawford County Michigan | 2 | $ 63,000 | $ 31,000 | $ 70,000 |
| Gladwin County Michigan | 2 | $ 141,000 | $ 70,000 | $ 106,000 |
| Huron County Michigan | 2 | $ 296,000 | $ 148,000 | $ 90,000 |
| Montmorency County Michigan | 2 | $ 108,000 | $ 54,000 | $ 51,000 |
| Ogemaw County Michigan | 2 | $ 180,000 | $ 90,000 | $ 44,000 |
| Oscoda County Michigan | 2 | $ 234,000 | $ 117,000 | $ 36,000 |
| Shiawassee County Michigan | 2 | $ 187,000 | $ 93,000 | $ 132,000 |
| Carver County Minnesota | 2 | $ 444,000 | $ 222,000 | $ 104,000 |
| Middlesex County New Jersey | 2 | $ 279,000 | $ 139,000 | $ 158,000 |
| Monmouth County New Jersey | 2 | $ 736,000 | $ 368,000 | $ 112,000 |
| Mecklenburg County North Carolina | 2 | $ 401,000 | $ 200,000 | $ 108,000 |
| Dallas County Texas | 2 | $ 310,000 | $ 155,000 | $ 158,000 |
| Fort Bend County Texas | 2 | $ 380,000 | $ 190,000 | $ 88,000 |
| Arlington County Virginia | 2 | $ 701,000 | $ 350,000 | $ 254,000 |
| Loudoun County Virginia | 2 | $ 450,000 | $ 225,000 | $ 103,000 |
| St. Croix County Wisconsin | 2 | $ 441,000 | $ 220,000 | $ 67,000 |
| Yuma County Arizona | 1 | $ 19,000 | $ 19,000 | $ 130,000 |
| Baxter County Arkansas | 1 | $ 100,000 | $ 100,000 | $ 61,000 |
| Marin County California | 1 | $ 374,000 | $ 374,000 | $ 94,000 |
| Nevada County California | 1 | $ 310,000 | $ 310,000 | $ 119,000 |
| San Bernardino County California | 1 | $ 400,000 | $ 400,000 | $ 239,000 |
| Teller County Colorado | 1 | $ 140,000 | $ 140,000 | $ 62,000 |
| Hartford County Connecticut | 1 | $ 35,000 | $ 35,000 | $ 205,000 |
| New Castle County Delaware | 1 | $ 245,000 | $ 245,000 | $ 184,000 |
| Alachua County Florida | 1 | $ 130,000 | $ 130,000 | $ 69,000 |
| Duval County Florida | 1 | $ 165,000 | $ 165,000 | $ 95,000 |
| Hillsborough County Florida | 1 | $ 200,000 | $ 200,000 | $ 76,000 |
| Lee County Florida | 1 | $ 135,000 | $ 135,000 | $ 76,000 |
| Leon County Florida | 1 | $ 288,000 | $ 288,000 | $ 60,000 |
| Marion County Florida | 1 | $ 84,000 | $ 84,000 | $ 47,000 |
| Monroe County Florida | 1 | $ 319,000 | $ 319,000 | $ 181,000 |
| Okeechobee County Florida | 1 | $ 127,000 | $ 127,000 | $ 45,000 |
| Volusia County Florida | 1 | $ 138,000 | $ 138,000 | $ 67,000 |
| Cobb County Georgia | 1 | $ 30,000 | $ 30,000 | $ 153,000 |
| Coweta County Georgia | 1 | $ 222,000 | $ 222,000 | $ 80,000 |
| DeKalb County Georgia | 1 | $ 216,000 | $ 216,000 | $ 187,000 |
| Fannin County Georgia | 1 | $ 123,000 | $ 123,000 | $ 43,000 |
| Canyon County Idaho | 1 | $ 130,000 | $ 130,000 | $ 56,000 |
| DuPage County Illinois | 1 | $ 82,000 | $ 82,000 | $ 45,000 |
| Massac County Illinois | 1 | $ 281,000 | $ 281,000 | $ 149,000 |
| Perry County Illinois | 1 | $ 60,000 | $ 60,000 | $ 250,000 |
| Dallas County Iowa | 1 | $ 125,000 | $ 125,000 | $ 102,000 |
| Polk County Iowa | 1 | $ 142,000 | $ 142,000 | $ 106,000 |
| Shelby County Kentucky | 1 | $ 79,000 | $ 79,000 | $ 36,000 |
| Baltimore County Maryland | 1 | $ 25,000 | $ 25,000 | $ 175,000 |
| Cecil County Maryland | 1 | $ 50,000 | $ 50,000 | $ 96,000 |
| Harford County Maryland | 1 | $ 150,000 | $ 150,000 | $ 91,000 |
| Norfolk County Massachusetts | 1 | $ 247,000 | $ 247,000 | $ 127,000 |
| Benzie County Michigan | 1 | $ 87,000 | $ 87,000 | $ 55,000 |
| Branch County Michigan | 1 | $ 124,000 | $ 124,000 | $ 80,000 |
| Chippewa County Michigan | 1 | $ 72,000 | $ 72,000 | $ 194,000 |
| Emmet County Michigan | 1 | $ 120,000 | $ 120,000 | $ 173,000 |
| Grand Traverse County Michigan | 1 | $ 280,000 | $ 280,000 | $ 67,000 |
| Houghton County Michigan | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Ingham County Michigan | 1 | $ 260,000 | $ 260,000 | $ 151,000 |
| Ionia County Michigan | 1 | $ 77,000 | $ 77,000 | $ 68,000 |
| Jackson County Michigan | 1 | $ 60,000 | $ 60,000 | $ 60,000 |
| Kalkaska County Michigan | 1 | $ 60,000 | $ 60,000 | $ 72,000 |
| Kent County Michigan | 1 | $ 168,000 | $ 168,000 | $ 107,000 |
| Lenawee County Michigan | 1 | $ 289,000 | $ 289,000 | $ 78,000 |
| Mackinac County Michigan | 1 | $ 187,000 | $ 187,000 | $ 57,000 |
| Mecosta County Michigan | 1 | $ 417,000 | $ 417,000 | $ 208,000 |
| Missaukee County Michigan | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Newaygo County Michigan | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| Osceola County Michigan | 1 | $ 65,000 | $ 65,000 | $ 105,000 |
| Aitkin County Minnesota | 1 | $ 59,000 | $ 59,000 | $ 134,000 |
| Chisago County Minnesota | 1 | $ 236,000 | $ 236,000 | $ 68,000 |
| Crow Wing County Minnesota | 1 | $ 110,000 | $ 110,000 | $ 107,000 |
| Otter Tail County Minnesota | 1 | $ 252,000 | $ 252,000 | $ 90,000 |
| Sherburne County Minnesota | 1 | $ 67,000 | $ 67,000 | $ 59,000 |
| Wright County Minnesota | 1 | $ 237,000 | $ 237,000 | $ 117,000 |
| Burlington County New Jersey | 1 | $ 400,000 | $ 400,000 | $ 141,000 |
| Gloucester County New Jersey | 1 | $ 150,000 | $ 150,000 | $ 184,000 |
| Morris County New Jersey | 1 | $ 335,000 | $ 335,000 | $ 26,000 |
| Union County New Jersey | 1 | $ 155,000 | $ 155,000 | $ 77,000 |
| Franklin County New York | 1 | $ 112,000 | $ 112,000 | $ 137,000 |
| Herkimer County New York | 1 | $ 61,000 | $ 61,000 | $ 38,000 |
| Suffolk County New York | 1 | $ 400,000 | $ 400,000 | $ 203,000 |
| Durham County North Carolina | 1 | $ 124,000 | $ 124,000 | $ 10,000 |
| Guilford County North Carolina | 1 | $ 111,000 | $ 111,000 | $ 40,000 |
| Moore County North Carolina | 1 | $ 76,000 | $ 76,000 | $ 44,000 |
| New Hanover County North Carolina | 1 | $ 147,000 | $ 147,000 | $ 110,000 |
| Delaware County Ohio | 1 | $ 63,000 | $ 63,000 | $ 157,000 |
| Lucas County Ohio | 1 | $ 48,000 | $ 48,000 | $ 28,000 |
| Warren County Ohio | 1 | $ 157,000 | $ 157,000 | $ 72,000 |
| Marion County Oregon | 1 | $ 100,000 | $ 100,000 | $ 88,000 |
| Washington County Oregon | 1 | $ 20,000 | $ 20,000 | $ 45,000 |
| Allegheny County Pennsylvania | 1 | $ 259,000 | $ 259,000 | $ 94,000 |
| Berks County Pennsylvania | 1 | $ 244,000 | $ 244,000 | $ 70,000 |
| Cumberland County Pennsylvania | 1 | $ 149,000 | $ 149,000 | $ 118,000 |
| Monroe County Pennsylvania | 1 | $ 171,000 | $ 171,000 | $ 157,000 |
| Snyder County Pennsylvania | 1 | $ 184,000 | $ 184,000 | $ 154,000 |
| Cameron County Texas | 1 | $ 114,000 | $ 114,000 | $ 80,000 |
| Collin County Texas | 1 | $ 164,000 | $ 164,000 | $ 99,000 |
| Denton County Texas | 1 | $ 208,000 | $ 208,000 | $ 107,000 |
| Harris County Texas | 1 | $ 360,000 | $ 360,000 | $ 108,000 |
| Jefferson County Texas | 1 | $ 228,000 | $ 228,000 | $ 120,000 |
| Travis County Texas | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Williamson County Texas | 1 | $ 120,000 | $ 120,000 | $ 194,000 |
| Henrico County Virginia | 1 | $ 212,000 | $ 212,000 | $ 176,000 |
| Powhatan County Virginia | 1 | $ 380,000 | $ 380,000 | $ 239,000 |
| Richmond City County Virginia | 1 | $ 110,000 | $ 110,000 | $ 101,000 |
| Virginia Beach County Virginia | 1 | $ 250,000 | $ 250,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Genisys Credit Union in 2009
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 873 | $138,022,000 | $158,000 | $950,000 | $91,000 | $1,755,000 |
| Home Purchase | 528 | $67,716,000 | $128,000 | $1,640,000 | $75,000 | $1,906,000 |
| Home Improvement | 155 | $4,460,000 | $28,000 | $102,000 | $60,000 | $205,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,149 | $149,445,000 | $130,000 | $1,640,000 | $82,000 | $1,906,000 |
| Not Provided | 133 | $20,277,000 | $152,000 | $698,000 | $88,000 | $230,000 |
| Asian | 121 | $27,272,000 | $225,000 | $950,000 | $109,000 | $437,000 |
| Black or African American | 112 | $8,050,000 | $71,000 | $351,000 | $55,000 | $242,000 |
| Hispanic | 34 | $4,326,000 | $127,000 | $400,000 | $81,000 | $239,000 |
| American Indian or Alaskan Native | 6 | $578,000 | $96,000 | $181,000 | $39,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $250,000 | $250,000 | $250,000 | $138,000 | $138,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,382 | $192,937,000 | $139,000 | $1,640,000 | $87,000 | $1,906,000 |
| FHA-insured (Federal Housing Administration) | 113 | $9,807,000 | $86,000 | $270,000 | $45,000 | $182,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $6,402,000 | $120,000 | $315,000 | $55,000 | $122,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,052,000 | $131,000 | $275,000 | $70,000 | $183,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 718 | $97,670,000 | $136,000 | $1,640,000 | $87,000 | $1,755,000 |
| Application Withdrawn By Applicant | 323 | $48,655,000 | $150,000 | $950,000 | $87,000 | $460,000 |
| Preapproval Approved but not Accepted | 286 | $39,085,000 | $136,000 | $585,000 | $75,000 | $524,000 |
| Application Denied By Financial Institution | 127 | $14,967,000 | $117,000 | $615,000 | $80,000 | $321,000 |
| Preapproval Denied by Financial Institution | 96 | $9,086,000 | $94,000 | $664,000 | $66,000 | $1,906,000 |
| Application Approved But Not Accepted | 5 | $691,000 | $138,000 | $369,000 | $81,000 | $192,000 |
| File Closed For Incompleteness | 1 | $44,000 | $44,000 | $44,000 | $22,000 | $22,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 90 | $7,642,000 | $84,000 | $417,000 | $56,000 | $305,000 |
| Debt-To-Income Ratio | 60 | $8,156,000 | $135,000 | $664,000 | $88,000 | $1,906,000 |
| Collateral | 59 | $7,003,000 | $118,000 | $385,000 | $95,000 | $321,000 |
| Employment History | 5 | $418,000 | $83,000 | $140,000 | $44,000 | $70,000 |
| Unverifiable Information | 3 | $533,000 | $177,000 | $350,000 | $97,000 | $222,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $149,000 | $74,000 | $95,000 | $36,000 | $46,000 |
| Credit Application Incomplete | 1 | $76,000 | $76,000 | $76,000 | $32,000 | $32,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Genisys Credit Union's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Genisys Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.