Genisys Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Genisys Credit Union 2018 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 | 2,963 |
| Total Mortgage Loan Application Amount | $283,585,000 |
| Average Mortgage Loan Application Amount | $90,400 |
| Highest Mortgage Loan Application Amount | $3,165,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $1,462,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 1,433 | $ 135,175,000 | $ 94,000 | $ 92,000 |
| Macomb County Michigan | 464 | $ 43,180,000 | $ 93,000 | $ 88,000 |
| Genesee County Michigan | 223 | $ 18,635,000 | $ 83,000 | $ 76,000 |
| Wayne County Michigan | 164 | $ 18,920,000 | $ 115,000 | $ 93,000 |
| St. Clair County Michigan | 117 | $ 9,485,000 | $ 81,000 | $ 69,000 |
| Lapeer County Michigan | 76 | $ 7,630,000 | $ 100,000 | $ 84,000 |
| Livingston County Michigan | 58 | $ 7,140,000 | $ 123,000 | $ 109,000 |
| Tuscola County Michigan | 37 | $ 2,445,000 | $ 66,000 | $ 57,000 |
| Washtenaw County Michigan | 37 | $ 4,305,000 | $ 116,000 | $ 101,000 |
| Montgomery County Pennsylvania | 24 | $ 2,000,000 | $ 83,000 | $ 102,000 |
| Dakota County Minnesota | 20 | $ 2,070,000 | $ 103,000 | $ 113,000 |
| Hennepin County Minnesota | 19 | $ 1,505,000 | $ 79,000 | $ 105,000 |
| Ramsey County Minnesota | 18 | $ 2,270,000 | $ 126,000 | $ 98,000 |
| Anoka County Minnesota | 13 | $ 755,000 | $ 58,000 | $ 95,000 |
| Washington County Minnesota | 13 | $ 1,085,000 | $ 83,000 | $ 101,000 |
| Shiawassee County Michigan | 10 | $ 880,000 | $ 88,000 | $ 70,000 |
| Monroe County Michigan | 9 | $ 525,000 | $ 58,000 | $ 125,000 |
| Sanilac County Michigan | 9 | $ 515,000 | $ 57,000 | $ 67,000 |
| Arenac County Michigan | 8 | $ 570,000 | $ 71,000 | $ 74,000 |
| Gladwin County Michigan | 8 | $ 520,000 | $ 65,000 | $ 69,000 |
| Saginaw County Michigan | 7 | $ 645,000 | $ 92,000 | $ 67,000 |
| Huron County Michigan | 6 | $ 490,000 | $ 81,000 | $ 87,000 |
| Iosco County Michigan | 6 | $ 340,000 | $ 56,000 | $ 82,000 |
| Roscommon County Michigan | 6 | $ 380,000 | $ 63,000 | $ 67,000 |
| Chester County Pennsylvania | 6 | $ 1,010,000 | $ 168,000 | $ 159,000 |
| Bay County Michigan | 5 | $ 475,000 | $ 95,000 | $ 54,000 |
| Clare County Michigan | 5 | $ 375,000 | $ 75,000 | $ 58,000 |
| Ingham County Michigan | 5 | $ 785,000 | $ 157,000 | $ 83,000 |
| Kent County Michigan | 5 | $ 595,000 | $ 119,000 | $ 103,000 |
| Bucks County Pennsylvania | 5 | $ 435,000 | $ 87,000 | $ 159,000 |
| Grand Traverse County Michigan | 4 | $ 970,000 | $ 242,000 | $ 311,000 |
| Ogemaw County Michigan | 4 | $ 240,000 | $ 60,000 | $ 97,000 |
| Ottawa County Michigan | 4 | $ 830,000 | $ 207,000 | $ 248,000 |
| Delaware County Pennsylvania | 4 | $ 220,000 | $ 55,000 | $ 91,000 |
| Volusia County Florida | 3 | $ 525,000 | $ 175,000 | $ 297,000 |
| Forsyth County Georgia | 3 | $ 535,000 | $ 178,000 | $ 136,000 |
| Fulton County Georgia | 3 | $ 355,000 | $ 118,000 | $ 308,000 |
| Eaton County Michigan | 3 | $ 255,000 | $ 85,000 | $ 104,000 |
| Leelanau County Michigan | 3 | $ 1,115,000 | $ 371,000 | $ 385,000 |
| Oscoda County Michigan | 3 | $ 145,000 | $ 48,000 | $ 156,000 |
| Otsego County Michigan | 3 | $ 625,000 | $ 208,000 | $ 243,000 |
| Presque Isle County Michigan | 3 | $ 335,000 | $ 111,000 | $ 147,000 |
| Chisago County Minnesota | 3 | $ 265,000 | $ 88,000 | $ 84,000 |
| Scott County Minnesota | 3 | $ 85,000 | $ 28,000 | $ 90,000 |
| St. Croix County Wisconsin | 3 | $ 275,000 | $ 91,000 | $ 124,000 |
| Los Angeles County California | 2 | $ 150,000 | $ 75,000 | $ 92,000 |
| Orange County California | 2 | $ 180,000 | $ 90,000 | $ 110,000 |
| Tolland County Connecticut | 2 | $ 70,000 | $ 35,000 | $ 85,000 |
| Marion County Florida | 2 | $ 270,000 | $ 135,000 | $ 121,000 |
| Pinellas County Florida | 2 | $ 60,000 | $ 30,000 | $ 41,000 |
| Gwinnett County Georgia | 2 | $ 200,000 | $ 100,000 | $ 140,000 |
| Cook County Illinois | 2 | $ 190,000 | $ 95,000 | $ 135,000 |
| Alpena County Michigan | 2 | $ 240,000 | $ 120,000 | $ 83,000 |
| Antrim County Michigan | 2 | $ 300,000 | $ 150,000 | $ 206,000 |
| Charlevoix County Michigan | 2 | $ 190,000 | $ 95,000 | $ 173,000 |
| Clinton County Michigan | 2 | $ 250,000 | $ 125,000 | $ 111,000 |
| Crawford County Michigan | 2 | $ 150,000 | $ 75,000 | $ 98,000 |
| Jackson County Michigan | 2 | $ 80,000 | $ 40,000 | $ 76,000 |
| Kalkaska County Michigan | 2 | $ 150,000 | $ 75,000 | $ 66,000 |
| Montmorency County Michigan | 2 | $ 270,000 | $ 135,000 | $ 53,000 |
| Wexford County Michigan | 2 | $ 270,000 | $ 135,000 | $ 55,000 |
| Wake County North Carolina | 2 | $ 290,000 | $ 145,000 | $ 130,000 |
| Fairfax County Virginia | 2 | $ 160,000 | $ 80,000 | $ 178,000 |
| Madison County Alabama | 1 | $ 25,000 | $ 25,000 | $ 199,000 |
| Garland County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Lonoke County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 149,000 |
| Alameda County California | 1 | $ 85,000 | $ 85,000 | $ 162,000 |
| El Paso County Colorado | 1 | $ 245,000 | $ 245,000 | $ 71,000 |
| New Castle County Delaware | 1 | $ 75,000 | $ 75,000 | $ 360,000 |
| Brevard County Florida | 1 | $ 195,000 | $ 195,000 | $ 159,000 |
| Charlotte County Florida | 1 | $ 105,000 | $ 105,000 | $ 91,000 |
| Hernando County Florida | 1 | $ 55,000 | $ 55,000 | $ 57,000 |
| Miami-Dade County Florida | 1 | $ 1,005,000 | $ 1,005,000 | $ 540,000 |
| Palm Beach County Florida | 1 | $ 45,000 | $ 45,000 | $ 91,000 |
| Pasco County Florida | 1 | $ 15,000 | $ 15,000 | $ 41,000 |
| St. Johns County Florida | 1 | $ 385,000 | $ 385,000 | $ 148,000 |
| Cobb County Georgia | 1 | $ 55,000 | $ 55,000 | $ 126,000 |
| Fayette County Georgia | 1 | $ 25,000 | $ 25,000 | $ 140,000 |
| DuPage County Illinois | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| McHenry County Illinois | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Marion County Indiana | 1 | $ 45,000 | $ 45,000 | $ 461,000 |
| Alger County Michigan | 1 | $ 405,000 | $ 405,000 | $ 154,000 |
| Allegan County Michigan | 1 | $ 225,000 | $ 225,000 | $ 93,000 |
| Benzie County Michigan | 1 | $ 105,000 | $ 105,000 | $ 125,000 |
| Cheboygan County Michigan | 1 | $ 325,000 | $ 325,000 | $ 90,000 |
| Chippewa County Michigan | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Emmet County Michigan | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| Gratiot County Michigan | 1 | $ 45,000 | $ 45,000 | $ 50,000 |
| Kalamazoo County Michigan | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
| Muskegon County Michigan | 1 | $ 145,000 | $ 145,000 | $ 300,000 |
| Aitkin County Minnesota | 1 | $ 195,000 | $ 195,000 | $ 187,000 |
| Crow Wing County Minnesota | 1 | $ 305,000 | $ 305,000 | $ 156,000 |
| Goodhue County Minnesota | 1 | $ 5,000 | $ 5,000 | $ 142,000 |
| Mille Lacs County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 41,000 |
| Morrison County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 78,000 |
| Otter Tail County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Pine County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 81,000 |
| Sherburne County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 88,000 |
| Wadena County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 109,000 |
| Wright County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 103,000 |
| Gallatin County Montana | 1 | $ 35,000 | $ 35,000 | $ 115,000 |
| Hillsborough County New Hampshire | 1 | $ 55,000 | $ 55,000 | $ 130,000 |
| Gloucester County New Jersey | 1 | $ 85,000 | $ 85,000 | $ 202,000 |
| Middlesex County New Jersey | 1 | $ 385,000 | $ 385,000 | $ 108,000 |
| Somerset County New Jersey | 1 | $ 195,000 | $ 195,000 | $ 200,000 |
| Cabarrus County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 140,000 |
| Delaware County Ohio | 1 | $ 205,000 | $ 205,000 | $ 161,000 |
| Hancock County Ohio | 1 | $ 25,000 | $ 25,000 | $ 106,000 |
| Lucas County Ohio | 1 | $ 65,000 | $ 65,000 | $ 119,000 |
| Sandusky County Ohio | 1 | $ 135,000 | $ 135,000 | $ 96,000 |
| Cherokee County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 6,000 |
| Washington County Oregon | 1 | $ 155,000 | $ 155,000 | $ 112,000 |
| Allegheny County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Beaver County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 137,000 |
| Cumberland County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 125,000 |
| Lancaster County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Lehigh County Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 97,000 |
| Hampton County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 21,000 |
| Shelby County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Montgomery County Texas | 1 | $ 405,000 | $ 405,000 | $ 168,000 |
| Loudoun County Virginia | 1 | $ 75,000 | $ 75,000 | $ 130,000 |
| Orange County Virginia | 1 | $ 35,000 | $ 35,000 | $ 39,000 |
| Clark County Washington | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Chippewa County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Polk County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for Genisys Credit Union in 2018
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 934 | $94,210,000 | $100,000 | $1,005,000 | $91,000 | $1,462,000 |
| Home Improvement | 773 | $36,255,000 | $46,000 | $395,000 | $96,000 | $1,195,000 |
| Home Purchase | 626 | $97,740,000 | $156,000 | $3,165,000 | $90,000 | $743,000 |
| Refinancing | 457 | $47,115,000 | $103,000 | $605,000 | $89,000 | $760,000 |
| Other Purpose | 173 | $8,265,000 | $47,000 | $285,000 | $84,000 | $258,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,154 | $197,930,000 | $91,000 | $1,005,000 | $92,000 | $1,462,000 |
| Not Provided | 375 | $51,395,000 | $137,000 | $705,000 | $93,000 | $530,000 |
| Hispanic | 222 | $12,100,000 | $54,000 | $335,000 | $87,000 | $748,000 |
| Black or African American | 105 | $7,525,000 | $71,000 | $335,000 | $71,000 | $541,000 |
| Asian | 86 | $12,560,000 | $146,000 | $3,165,000 | $121,000 | $320,000 |
| American Indian or Alaskan Native | 14 | $930,000 | $66,000 | $235,000 | $67,000 | $189,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $430,000 | $107,000 | $165,000 | $70,000 | $161,000 |
| 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) | 2,960 | $283,050,000 | $95,000 | $3,165,000 | $92,000 | $1,462,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $535,000 | $178,000 | $305,000 | $79,000 | $156,000 |
| 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 | 1,842 | $185,770,000 | $100,000 | $3,165,000 | $96,000 | $1,462,000 |
| Application Denied By Financial Institution | 856 | $64,520,000 | $75,000 | $615,000 | $79,000 | $720,000 |
| Application Withdrawn By Applicant | 233 | $27,805,000 | $119,000 | $1,005,000 | $98,000 | $540,000 |
| Application Approved But Not Accepted | 18 | $2,800,000 | $155,000 | $455,000 | $96,000 | $225,000 |
| File Closed For Incompleteness | 14 | $2,690,000 | $192,000 | $425,000 | $115,000 | $215,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,107 | $219,065,000 | $103,000 | $3,165,000 | $97,000 | $1,462,000 |
| Credit Application Incomplete | 437 | $34,925,000 | $79,000 | $505,000 | $87,000 | $720,000 |
| Credit History | 138 | $7,710,000 | $55,000 | $455,000 | $67,000 | $300,000 |
| Debt-To-Income Ratio | 129 | $11,945,000 | $92,000 | $615,000 | $58,000 | $541,000 |
| Collateral | 93 | $6,115,000 | $65,000 | $255,000 | $88,000 | $262,000 |
| Other | 51 | $2,665,000 | $52,000 | $225,000 | $88,000 | $258,000 |
| Unverifiable Information | 5 | $555,000 | $111,000 | $205,000 | $93,000 | $120,000 |
| Employment History | 1 | $185,000 | $185,000 | $185,000 | $52,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $335,000 | $335,000 | $335,000 | $107,000 | $107,000 |
| Mortgage Insurance Denied | 1 | $85,000 | $85,000 | $85,000 | $64,000 | $64,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Genisys Credit Union's 2018 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.
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with aggregated HMDA statistics today.