Genisys Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Genisys Credit Union 2016 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 | 2,867 |
| Total Mortgage Loan Application Amount | $201,500,000 |
| Average Mortgage Loan Application Amount | $107,666 |
| Highest Mortgage Loan Application Amount | $997,000 |
| Average Applicant Income | $88,666 |
| Highest Applicant Income | $2,500,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 1,232 | $ 100,828,000 | $ 81,000 | $ 91,000 |
| Macomb County Michigan | 300 | $ 27,594,000 | $ 91,000 | $ 85,000 |
| Genesee County Michigan | 251 | $ 10,292,000 | $ 41,000 | $ 71,000 |
| Wayne County Michigan | 228 | $ 9,961,000 | $ 43,000 | $ 73,000 |
| St. Clair County Michigan | 110 | $ 7,180,000 | $ 65,000 | $ 76,000 |
| Livingston County Michigan | 101 | $ 5,309,000 | $ 52,000 | $ 87,000 |
| Lapeer County Michigan | 82 | $ 5,714,000 | $ 69,000 | $ 82,000 |
| Kent County Michigan | 43 | $ 568,000 | $ 13,000 | $ 73,000 |
| Washtenaw County Michigan | 40 | $ 2,766,000 | $ 69,000 | $ 85,000 |
| Kalamazoo County Michigan | 28 | $ 255,000 | $ 9,000 | $ 58,000 |
| Lenawee County Michigan | 19 | $ 171,000 | $ 9,000 | $ 77,000 |
| Monroe County Michigan | 19 | $ 348,000 | $ 18,000 | $ 75,000 |
| Berrien County Michigan | 17 | $ 127,000 | $ 7,000 | $ 54,000 |
| Grand Traverse County Michigan | 16 | $ 305,000 | $ 19,000 | $ 52,000 |
| Tuscola County Michigan | 15 | $ 640,000 | $ 42,000 | $ 56,000 |
| Saginaw County Michigan | 13 | $ 212,000 | $ 16,000 | $ 48,000 |
| Dakota County Minnesota | 13 | $ 829,000 | $ 63,000 | $ 104,000 |
| Ramsey County Minnesota | 12 | $ 916,000 | $ 76,000 | $ 94,000 |
| Gladwin County Michigan | 11 | $ 1,234,000 | $ 112,000 | $ 92,000 |
| Ingham County Michigan | 11 | $ 555,000 | $ 50,000 | $ 79,000 |
| Arenac County Michigan | 10 | $ 525,000 | $ 52,000 | $ 84,000 |
| Jackson County Michigan | 9 | $ 361,000 | $ 40,000 | $ 70,000 |
| Midland County Michigan | 9 | $ 642,000 | $ 71,000 | $ 82,000 |
| Montgomery County Pennsylvania | 9 | $ 1,276,000 | $ 141,000 | $ 112,000 |
| Huron County Michigan | 7 | $ 770,000 | $ 110,000 | $ 91,000 |
| Ottawa County Michigan | 7 | $ 39,000 | $ 5,000 | $ 69,000 |
| Shiawassee County Michigan | 7 | $ 370,000 | $ 52,000 | $ 64,000 |
| Antrim County Michigan | 6 | $ 41,000 | $ 6,000 | $ 67,000 |
| Clinton County Michigan | 6 | $ 104,000 | $ 17,000 | $ 51,000 |
| Muskegon County Michigan | 6 | $ 17,000 | $ 2,000 | $ 52,000 |
| St. Joseph County Michigan | 6 | $ 229,000 | $ 38,000 | $ 54,000 |
| Washington County Minnesota | 6 | $ 739,000 | $ 123,000 | $ 116,000 |
| Roscommon County Michigan | 5 | $ 283,000 | $ 56,000 | $ 99,000 |
| Sanilac County Michigan | 5 | $ 107,000 | $ 21,000 | $ 59,000 |
| Anoka County Minnesota | 5 | $ 340,000 | $ 68,000 | $ 114,000 |
| Bay County Michigan | 4 | $ 80,000 | $ 20,000 | $ 77,000 |
| Clare County Michigan | 4 | $ 149,000 | $ 37,000 | $ 57,000 |
| Eaton County Michigan | 4 | $ 82,000 | $ 20,000 | $ 48,000 |
| Emmet County Michigan | 4 | $ 30,000 | $ 7,000 | $ 78,000 |
| Iosco County Michigan | 4 | $ 443,000 | $ 110,000 | $ 134,000 |
| Leelanau County Michigan | 4 | $ 116,000 | $ 29,000 | $ 100,000 |
| Newaygo County Michigan | 4 | $ 76,000 | $ 19,000 | $ 34,000 |
| Ogemaw County Michigan | 4 | $ 19,000 | $ 4,000 | $ 40,000 |
| Allegan County Michigan | 3 | $ 13,000 | $ 4,000 | $ 74,000 |
| Charlevoix County Michigan | 3 | $ 28,000 | $ 9,000 | $ 52,000 |
| Dickinson County Michigan | 3 | $ 9,000 | $ 3,000 | $ 41,000 |
| Kalkaska County Michigan | 3 | $ 71,000 | $ 23,000 | $ 84,000 |
| Mecosta County Michigan | 3 | $ 82,000 | $ 27,000 | $ 55,000 |
| Van Buren County Michigan | 3 | $ 24,000 | $ 8,000 | $ 70,000 |
| Orange County California | 2 | $ 150,000 | $ 75,000 | $ 154,000 |
| Lee County Florida | 2 | $ 125,000 | $ 62,000 | $ 55,000 |
| Miami-Dade County Florida | 2 | $ 160,000 | $ 80,000 | $ 73,000 |
| Cobb County Georgia | 2 | $ 190,000 | $ 95,000 | $ 130,000 |
| Alcona County Michigan | 2 | $ 187,000 | $ 93,000 | $ 69,000 |
| Alpena County Michigan | 2 | $ 49,000 | $ 24,000 | $ 36,000 |
| Calhoun County Michigan | 2 | $ 32,000 | $ 16,000 | $ 52,000 |
| Cass County Michigan | 2 | $ 47,000 | $ 23,000 | $ 100,000 |
| Crawford County Michigan | 2 | $ 69,000 | $ 34,000 | $ 74,000 |
| Hillsdale County Michigan | 2 | $ 27,000 | $ 13,000 | $ 41,000 |
| Hennepin County Minnesota | 2 | $ 120,000 | $ 60,000 | $ 86,000 |
| Middlesex County New Jersey | 2 | $ 150,000 | $ 75,000 | $ 165,000 |
| Lucas County Ohio | 2 | $ 91,000 | $ 45,000 | $ 53,000 |
| Chester County Pennsylvania | 2 | $ 78,000 | $ 39,000 | $ 103,000 |
| Philadelphia County Pennsylvania | 2 | $ 57,000 | $ 28,000 | $ 99,000 |
| Lee County Alabama | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| Cochise County Arizona | 1 | $ 40,000 | $ 40,000 | $ 45,000 |
| Pima County Arizona | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| Yuma County Arizona | 1 | $ 60,000 | $ 60,000 | $ 153,000 |
| Alameda County California | 1 | $ 417,000 | $ 417,000 | $ 360,000 |
| Contra Costa County California | 1 | $ 200,000 | $ 200,000 | $ 253,000 |
| Los Angeles County California | 1 | $ 100,000 | $ 100,000 | $ 189,000 |
| San Bernardino County California | 1 | $ 35,000 | $ 35,000 | $ 222,000 |
| Ventura County California | 1 | $ 150,000 | $ 150,000 | $ 255,000 |
| Broomfield County Colorado | 1 | $ 149,000 | $ 149,000 | $ 184,000 |
| Douglas County Colorado | 1 | $ 250,000 | $ 250,000 | $ 145,000 |
| Citrus County Florida | 1 | $ 100,000 | $ 100,000 | $ 178,000 |
| Hillsborough County Florida | 1 | $ 350,000 | $ 350,000 | $ 122,000 |
| Palm Beach County Florida | 1 | $ 20,000 | $ 20,000 | $ 55,000 |
| Cherokee County Georgia | 1 | $ 200,000 | $ 200,000 | $ 186,000 |
| Lake County Illinois | 1 | $ 118,000 | $ 118,000 | $ 240,000 |
| Hamilton County Indiana | 1 | $ 312,000 | $ 312,000 | $ 185,000 |
| Barry County Michigan | 1 | $ 7,000 | $ 7,000 | $ 49,000 |
| Benzie County Michigan | 1 | $ 140,000 | $ 140,000 | $ 83,000 |
| Chippewa County Michigan | 1 | $ 30,000 | $ 30,000 | $ 47,000 |
| Houghton County Michigan | 1 | $ 9,000 | $ 9,000 | $ 55,000 |
| Ionia County Michigan | 1 | $ 4,000 | $ 4,000 | $ 50,000 |
| Lake County Michigan | 1 | $ 71,000 | $ 71,000 | $ 155,000 |
| Mason County Michigan | 1 | $ 30,000 | $ 30,000 | $ 160,000 |
| Missaukee County Michigan | 1 | $ 98,000 | $ 98,000 | $ 577,000 |
| Oceana County Michigan | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
| Ontonagon County Michigan | 1 | $ 21,000 | $ 21,000 | $ 10,000 |
| Osceola County Michigan | 1 | $ 5,000 | $ 5,000 | $ 29,000 |
| Oscoda County Michigan | 1 | $ 63,000 | $ 63,000 | $ 38,000 |
| Otsego County Michigan | 1 | $ 8,000 | $ 8,000 | $ 91,000 |
| Presque Isle County Michigan | 1 | $ 20,000 | $ 20,000 | $ 23,000 |
| Benton County Minnesota | 1 | $ 30,000 | $ 30,000 | $ 45,000 |
| Chisago County Minnesota | 1 | $ 27,000 | $ 27,000 | $ 62,000 |
| Goodhue County Minnesota | 1 | $ 415,000 | $ 415,000 | $ 98,000 |
| Scott County Minnesota | 1 | $ 50,000 | $ 50,000 | $ 100,000 |
| Stearns County Minnesota | 1 | $ 70,000 | $ 70,000 | $ 163,000 |
| Johnston County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 110,000 |
| Delaware County Ohio | 1 | $ 335,000 | $ 335,000 | $ 195,000 |
| Allegheny County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 70,000 |
| Lehigh County Pennsylvania | 1 | $ 81,000 | $ 81,000 | $ 153,000 |
| Fort Bend County Texas | 1 | $ 350,000 | $ 350,000 | $ 187,000 |
Mortgage Loan Application Detail Totals for Genisys Credit Union in 2016
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 1,959 | $68,905,000 | $35,000 | $997,000 | $79,000 | $634,000 |
| Refinancing | 593 | $88,305,000 | $148,000 | $500,000 | $99,000 | $2,500,000 |
| Home Purchase | 315 | $44,290,000 | $140,000 | $408,000 | $88,000 | $2,017,000 |
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 | 2,161 | $163,086,000 | $75,000 | $997,000 | $87,000 | $2,500,000 |
| Not Provided | 473 | $22,631,000 | $47,000 | $464,000 | $70,000 | $311,000 |
| Black or African American | 114 | $6,303,000 | $55,000 | $330,000 | $65,000 | $200,000 |
| Hispanic | 55 | $3,845,000 | $69,000 | $340,000 | $93,000 | $287,000 |
| Asian | 51 | $4,999,000 | $98,000 | $415,000 | $119,000 | $315,000 |
| American Indian or Alaskan Native | 8 | $378,000 | $47,000 | $222,000 | $53,000 | $97,000 |
| Native Hawaiin or Other Pacific Islander | 4 | $228,000 | $57,000 | $196,000 | $45,000 | $66,000 |
| Not applicable | 1 | $30,000 | $30,000 | $30,000 | $65,000 | $65,000 |
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) | 2,860 | $200,957,000 | $70,000 | $997,000 | $84,000 | $2,500,000 |
| FHA-insured (Federal Housing Administration) | 6 | $528,000 | $88,000 | $214,000 | $78,000 | $103,000 |
| VA-guaranteed (Veterans Administration) | 1 | $15,000 | $15,000 | $15,000 | $51,000 | $51,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 2,077 | $135,680,000 | $65,000 | $997,000 | $88,000 | $2,500,000 |
| Application Denied By Financial Institution | 607 | $53,323,000 | $87,000 | $464,000 | $73,000 | $315,000 |
| Application Withdrawn By Applicant | 178 | $11,954,000 | $67,000 | $625,000 | $79,000 | $458,000 |
| File Closed For Incompleteness | 5 | $543,000 | $108,000 | $232,000 | $60,000 | $120,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 433 | $40,511,000 | $93,000 | $417,000 | $76,000 | $315,000 |
| Debt-To-Income Ratio | 97 | $4,183,000 | $43,000 | $464,000 | $56,000 | $236,000 |
| Collateral | 26 | $3,654,000 | $140,000 | $300,000 | $94,000 | $201,000 |
| Other | 20 | $872,000 | $43,000 | $278,000 | $57,000 | $120,000 |
| Unverifiable Information | 8 | $1,155,000 | $144,000 | $280,000 | $96,000 | $210,000 |
| Credit Application Incomplete | 8 | $839,000 | $104,000 | $160,000 | $52,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $566,000 | $141,000 | $161,000 | $93,000 | $120,000 |
| Mortgage Insurance Denied | 3 | $407,000 | $135,000 | $180,000 | $106,000 | $120,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Genisys Credit Union's 2016 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.