Applications / Mortgage Analytics / Lenders / Michigan / Genisys Credit Union
Auburn Hills, MI · Credit union · NCUA · $6.2 billion assets · 3,566 loans in 2025
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3,566
loans originated, 2025
5,610
applications, 2025
36
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Genisys Credit Union, a Detroit-area lender since before 1990, more than doubled the dollars it lent in 2025 as jumbo loans rose sharply and it entered markets in Utah and California.
Loans rose 10% to 3,566, close to similar lenders (credit unions making between half and twice as many loans), whose typical growth was 9%. Dollars lent rose to $1.19 billion from $502.2 million. Jumbo loans (larger than the conforming limit) went to 18.5% from 4.2%, against 1.3% at peers, higher than nearly all of them, and its typical loan rose to $130,000 from $75,000.
It ranks 7 of 599 in Detroit-Warren-Dearborn. Its share fell 0.7 points to 2.6% in Flint and rose 0.9 points to 2.1% in Traverse City. It lent in 36 states and entered Salt Lake City, Provo and Bakersfield in 2025, with 0.1% of each.
Low- and moderate-income (LMI) borrowers took 26.1% of its loans, down from 33.3% and near the middle of peers; larger loans elsewhere could explain the fall. Its LMI-tract and majority-minority-tract shares, 13.8% and 9.0%, are also near the middle.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Genisys Credit Union took 5,610 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 39.8% · Home improvement 21.9% · Refinance 20.9% · Other 17.4%
Conventional 100.0% · of 3,566 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Michigan | 2,770 | 77.7% |
| Minnesota | 136 | 3.8% |
| California | 132 | 3.7% |
| Florida | 99 | 2.8% |
| Pennsylvania | 39 | 1.1% |
| Illinois | 38 | 1.1% |
| Georgia | 35 | 1.0% |
| North Carolina | 34 | 1.0% |
| New Jersey | 30 | 0.8% |
| Ohio | 29 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warren-Troy-Farmington Hills | 2,009 |
| Flint | 263 |
| Detroit-Dearborn-Livonia | 179 |
| Minneapolis-St. Paul-Bloomington | 128 |
| Ann Arbor | 60 |
| Traverse City | 47 |
| Riverside-San Bernardino-Ontario | 30 |
| Chicago-Naperville-Schaumburg | 28 |
| Los Angeles-Long Beach-Glendale | 25 |
| Montgomery County-Bucks County-Chester County | 20 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QIUZLVR1OLDH55 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1758821 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 516431 | 1990–2004 |
| Respondent ID (the HMDA filer code before 2018) | 568536 | 2005–2017 |
Established 1 January 1964. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Genisys Credit Union's data.
Genisys Credit Union's data
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