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Genisys Credit Union

Credit Union•Auburn Hills, MIHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Genisys Credit Union — 921 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

Genisys Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+14.2 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
875 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
Jumbo
46 loans · 0.06% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
604 loans · 0.12% above market
Strong
Top 40% of lenders
4/5
Refinance
317 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume875
Mix95.0%
Spread
+0.152%Above
Fees
$944Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Exceptional
Volume46
Mix5.0%
Spread
-0.058%Below
Fees
$726Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume604
Mix65.6%
Spread
+0.123%Above
Fees
$983Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume317
Mix34.4%
Spread
+0.181%Above
Fees
$829Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
921
Applications
1,306
Volume
$268 million
Pricing & Closing
Avg Rate Spread
+0.142%
vs. market APOR
Avg Net Fees
$933
Origination − Credits
Pullthrough Rate
70.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$291,960
Avg Borrower Income
$181,965
Avg Property Value
$425,022

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

19Full-year 2024 · HMDA
19 states with loan originations
Loans originated
< 2020–5050+None
Northeast2
NJPA
Midwest5
ILINMIMNOH
South9
FLGAKYMSNCOKSCTNVA
West3
CACOOR

Top Metro Areas by Place Specialization Score

1© Darren56brown · CC BY-SA 4.0
Warren, MIMetro
Volume 574Mix 62.32% of portfolio
88/100
Exceptional
2© Michael Barera · CC BY-SA 4.0
Flint, MIMetro
Volume 79Mix 8.58% of portfolio
74/100
Strong
3© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0
Detroit, MIMetro
Volume 46Mix 4.99% of portfolio
60/100
Sound
4© w_lemay · CC BY-SA 2.0
Minneapolis, MN-WIMetro
Volume 23Mix 2.50% of portfolio
48/100
Sound
5© w_lemay · CC BY-SA 2.0
Ann Arbor, MIMetro
Volume 13Mix 1.41% of portfolio
47/100
Sound

Top States by Place Specialization Score

Michigan
Michigan
1
MichiganState
Volume 810Mix 87.95% of portfolio
85/100
Exceptional
Minnesota
Minnesota
2
MinnesotaState
Volume 30Mix 3.26% of portfolio
50/100
Sound
Florida
Florida
3
FloridaState
Volume 29Mix 3.15% of portfolio
43/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.