Genisys Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Genisys Credit Union 2010 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 | 800 |
| Total Mortgage Loan Application Amount | $108,964,000 |
| Average Mortgage Loan Application Amount | $101,000 |
| Highest Mortgage Loan Application Amount | $950,000 |
| Average Applicant Income | $95,666 |
| Highest Applicant Income | $625,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 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 2010 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 2010.
| 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 | 248 | $ 30,130,000 | $ 121,000 | $ 82,000 |
| Macomb County Michigan | 48 | $ 5,573,000 | $ 116,000 | $ 80,000 |
| Wayne County Michigan | 28 | $ 2,834,000 | $ 101,000 | $ 80,000 |
| Lapeer County Michigan | 18 | $ 1,946,000 | $ 108,000 | $ 64,000 |
| St. Clair County Michigan | 17 | $ 1,432,000 | $ 84,000 | $ 56,000 |
| Montgomery County Pennsylvania | 16 | $ 2,978,000 | $ 186,000 | $ 122,000 |
| Genesee County Michigan | 10 | $ 1,011,000 | $ 101,000 | $ 65,000 |
| Ramsey County Minnesota | 10 | $ 1,328,000 | $ 132,000 | $ 109,000 |
| Washtenaw County Michigan | 9 | $ 934,000 | $ 103,000 | $ 87,000 |
| Dakota County Minnesota | 9 | $ 1,255,000 | $ 139,000 | $ 133,000 |
| Hennepin County Minnesota | 8 | $ 2,677,000 | $ 334,000 | $ 153,000 |
| Orange County California | 7 | $ 1,564,000 | $ 223,000 | $ 182,000 |
| Livingston County Michigan | 7 | $ 1,415,000 | $ 202,000 | $ 117,000 |
| Anoka County Minnesota | 5 | $ 777,000 | $ 155,000 | $ 81,000 |
| Lee County Florida | 3 | $ 710,000 | $ 236,000 | $ 213,000 |
| Gwinnett County Georgia | 3 | $ 585,000 | $ 195,000 | $ 94,000 |
| Kalamazoo County Michigan | 3 | $ 229,000 | $ 76,000 | $ 55,000 |
| Roscommon County Michigan | 3 | $ 100,000 | $ 33,000 | $ 80,000 |
| Chester County Pennsylvania | 3 | $ 678,000 | $ 226,000 | $ 213,000 |
| Horry County South Carolina | 3 | $ 338,000 | $ 112,000 | $ 162,000 |
| St. Croix County Wisconsin | 3 | $ 700,000 | $ 233,000 | $ 158,000 |
| Fulton County Georgia | 2 | $ 510,000 | $ 255,000 | $ 116,000 |
| Huron County Michigan | 2 | $ 334,000 | $ 167,000 | $ 153,000 |
| Monroe County Michigan | 2 | $ 141,000 | $ 70,000 | $ 25,000 |
| Otsego County Michigan | 2 | $ 188,000 | $ 94,000 | $ 127,000 |
| Washington County Minnesota | 2 | $ 528,000 | $ 264,000 | $ 150,000 |
| Merrimack County New Hampshire | 2 | $ 20,000 | $ 10,000 | $ 181,000 |
| Somerset County New Jersey | 2 | $ 795,000 | $ 397,000 | $ 184,000 |
| Philadelphia County Pennsylvania | 2 | $ 315,000 | $ 157,000 | $ 117,000 |
| Pinal County Arizona | 1 | $ 52,000 | $ 52,000 | $ 33,000 |
| Los Angeles County California | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Placer County California | 1 | $ 146,000 | $ 146,000 | $ 95,000 |
| San Bernardino County California | 1 | $ 93,000 | $ 93,000 | $ 93,000 |
| San Diego County California | 1 | $ 417,000 | $ 417,000 | $ 150,000 |
| San Joaquin County California | 1 | $ 279,000 | $ 279,000 | $ 95,000 |
| Denver County Colorado | 1 | $ 193,000 | $ 193,000 | $ 76,000 |
| Douglas County Colorado | 1 | $ 256,000 | $ 256,000 | $ 90,000 |
| Alachua County Florida | 1 | $ 30,000 | $ 30,000 | $ 41,000 |
| Broward County Florida | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| Collier County Florida | 1 | $ 368,000 | $ 368,000 | $ 119,000 |
| Duval County Florida | 1 | $ 144,000 | $ 144,000 | $ 96,000 |
| Hillsborough County Florida | 1 | $ 80,000 | $ 80,000 | $ 26,000 |
| Orange County Florida | 1 | $ 119,000 | $ 119,000 | $ 91,000 |
| Polk County Florida | 1 | $ 106,000 | $ 106,000 | $ 206,000 |
| Forsyth County Georgia | 1 | $ 56,000 | $ 56,000 | $ 82,000 |
| Hall County Georgia | 1 | $ 194,000 | $ 194,000 | $ 129,000 |
| Cook County Illinois | 1 | $ 80,000 | $ 80,000 | $ 133,000 |
| Lake County Illinois | 1 | $ 185,000 | $ 185,000 | $ 145,000 |
| McHenry County Illinois | 1 | $ 392,000 | $ 392,000 | $ 278,000 |
| Noble County Indiana | 1 | $ 160,000 | $ 160,000 | $ 50,000 |
| Shelby County Indiana | 1 | $ 70,000 | $ 70,000 | $ 70,000 |
| Johnson County Kansas | 1 | $ 156,000 | $ 156,000 | $ 70,000 |
| Barren County Kentucky | 1 | $ 88,000 | $ 88,000 | $ 60,000 |
| Jefferson County Kentucky | 1 | $ 241,000 | $ 241,000 | $ 192,000 |
| Prince George's County Maryland | 1 | $ 79,000 | $ 79,000 | $ 78,000 |
| Allegan County Michigan | 1 | $ 110,000 | $ 110,000 | $ 67,000 |
| Charlevoix County Michigan | 1 | $ 170,000 | $ 170,000 | $ 47,000 |
| Crawford County Michigan | 1 | $ 128,000 | $ 128,000 | $ 164,000 |
| Emmet County Michigan | 1 | $ 417,000 | $ 417,000 | $ 550,000 |
| Gladwin County Michigan | 1 | $ 45,000 | $ 45,000 | $ 120,000 |
| Ingham County Michigan | 1 | $ 234,000 | $ 234,000 | $ 38,000 |
| Iosco County Michigan | 1 | $ 40,000 | $ 40,000 | $ 68,000 |
| Jackson County Michigan | 1 | $ 140,000 | $ 140,000 | $ 211,000 |
| Kalkaska County Michigan | 1 | $ 56,000 | $ 56,000 | $ 72,000 |
| Leelanau County Michigan | 1 | $ 294,000 | $ 294,000 | $ 81,000 |
| Lenawee County Michigan | 1 | $ 140,000 | $ 140,000 | $ 36,000 |
| Mecosta County Michigan | 1 | $ 44,000 | $ 44,000 | $ 31,000 |
| Ogemaw County Michigan | 1 | $ 74,000 | $ 74,000 | $ 115,000 |
| Osceola County Michigan | 1 | $ 140,000 | $ 140,000 | $ 37,000 |
| Oscoda County Michigan | 1 | $ 220,000 | $ 220,000 | $ 249,000 |
| St. Joseph County Michigan | 1 | $ 103,000 | $ 103,000 | $ 22,000 |
| Carver County Minnesota | 1 | $ 234,000 | $ 234,000 | $ 185,000 |
| Isanti County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 160,000 |
| Scott County Minnesota | 1 | $ 160,000 | $ 160,000 | $ 112,000 |
| Wright County Minnesota | 1 | $ 169,000 | $ 169,000 | $ 159,000 |
| St. Charles County Missouri | 1 | $ 19,000 | $ 19,000 | $ 111,000 |
| Burlington County New Jersey | 1 | $ 290,000 | $ 290,000 | $ 174,000 |
| Mercer County New Jersey | 1 | $ 175,000 | $ 175,000 | $ 184,000 |
| Middlesex County New Jersey | 1 | $ 375,000 | $ 375,000 | $ 225,000 |
| Mecklenburg County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
| Cuyahoga County Ohio | 1 | $ 54,000 | $ 54,000 | $ 231,000 |
| Warren County Ohio | 1 | $ 235,000 | $ 235,000 | $ 86,000 |
| Allegheny County Pennsylvania | 1 | $ 62,000 | $ 62,000 | $ 39,000 |
| Berks County Pennsylvania | 1 | $ 37,000 | $ 37,000 | $ 81,000 |
| Bucks County Pennsylvania | 1 | $ 157,000 | $ 157,000 | $ 140,000 |
| York County South Carolina | 1 | $ 112,000 | $ 112,000 | $ 85,000 |
| Franklin County Tennessee | 1 | $ 94,000 | $ 94,000 | $ 37,000 |
| Maury County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 34,000 |
| Cameron County Texas | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Dallas County Texas | 1 | $ 212,000 | $ 212,000 | $ 105,000 |
| Fort Bend County Texas | 1 | $ 290,000 | $ 290,000 | $ 278,000 |
| Tarrant County Texas | 1 | $ 128,000 | $ 128,000 | $ 400,000 |
| Fairfax County Virginia | 1 | $ 560,000 | $ 560,000 | $ 300,000 |
| Newport News County Virginia | 1 | $ 260,000 | $ 260,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for Genisys Credit Union in 2010
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 | 413 | $57,486,000 | $139,000 | $950,000 | $95,000 | $550,000 |
| Home Purchase | 374 | $51,112,000 | $136,000 | $575,000 | $84,000 | $625,000 |
| Home Improvement | 13 | $366,000 | $28,000 | $100,000 | $108,000 | $291,000 |
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 | 578 | $75,088,000 | $129,000 | $950,000 | $84,000 | $544,000 |
| Not Provided | 94 | $12,986,000 | $138,000 | $417,000 | $112,000 | $550,000 |
| Asian | 64 | $15,403,000 | $240,000 | $520,000 | $124,000 | $240,000 |
| Black or African American | 40 | $2,935,000 | $73,000 | $350,000 | $71,000 | $625,000 |
| Hispanic | 19 | $2,061,000 | $108,000 | $415,000 | $90,000 | $375,000 |
| American Indian or Alaskan Native | 5 | $491,000 | $98,000 | $196,000 | $105,000 | $170,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 767 | $105,927,000 | $138,000 | $950,000 | $92,000 | $625,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $3,037,000 | $92,000 | $415,000 | $52,000 | $166,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 270 | $32,836,000 | $121,000 | $560,000 | $91,000 | $515,000 |
| Preapproval Approved but not Accepted | 193 | $29,546,000 | $153,000 | $575,000 | $87,000 | $544,000 |
| Application Withdrawn By Applicant | 156 | $23,274,000 | $149,000 | $417,000 | $101,000 | $550,000 |
| Application Denied By Financial Institution | 95 | $12,713,000 | $133,000 | $950,000 | $81,000 | $305,000 |
| Preapproval Denied by Financial Institution | 60 | $6,439,000 | $107,000 | $417,000 | $71,000 | $625,000 |
| File Closed For Incompleteness | 25 | $3,988,000 | $159,000 | $472,000 | $116,000 | $400,000 |
| Application Approved But Not Accepted | 1 | $168,000 | $168,000 | $168,000 | $87,000 | $87,000 |
| 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 | 44 | $3,348,000 | $76,000 | $350,000 | $75,000 | $625,000 |
| Debt-To-Income Ratio | 35 | $5,335,000 | $152,000 | $950,000 | $58,000 | $220,000 |
| Collateral | 26 | $3,298,000 | $126,000 | $410,000 | $87,000 | $250,000 |
| Other | 18 | $2,328,000 | $129,000 | $290,000 | $98,000 | $305,000 |
| Credit Application Incomplete | 9 | $1,390,000 | $154,000 | $417,000 | $58,000 | $108,000 |
| Employment History | 5 | $760,000 | $152,000 | $270,000 | $80,000 | $147,000 |
| Unverifiable Information | 3 | $441,000 | $147,000 | $285,000 | $50,000 | $60,000 |
| Mortgage Insurance Denied | 3 | $649,000 | $216,000 | $350,000 | $113,000 | $182,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $236,000 | $118,000 | $141,000 | $67,000 | $87,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Genisys Credit Union's 2010 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.