Genisys Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012

Genisys Credit Union 2012 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 1,640
Total Mortgage Loan Application Amount $96,550,000
Average Mortgage Loan Application Amount $91,000
Highest Mortgage Loan Application Amount $590,000
Average Applicant Income $80,666
Highest Applicant Income $978,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.

Mortgage Loan Application Totals for Genisys Credit Union by Metropolitan Area in 2012

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
WARREN-TROY-FARMINGTON HILLS, MI 509 $ 30,102,000 $ 59,000 $ 77,000
DETROIT-LIVONIA-DEARBORN, MI 284 $ 3,218,000 $ 11,000 $ 58,000
GRAND RAPIDS-WYOMING, MI 159 $ 1,687,000 $ 10,000 $ 65,000
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 71 $ 12,395,000 $ 160,000 $ 99,500
LANSING-EAST LANSING, MI 42 $ 492,000 $ 11,000 $ 58,000
PHILADELPHIA, PA 35 $ 6,502,000 $ 185,000 $ 116,000
ANN ARBOR, MI 23 $ 234,000 $ 10,000 $ 69,000
FLINT, MI 23 $ 1,556,000 $ 67,000 $ 78,000
MONROE, MI 11 $ 106,000 $ 9,000 $ 68,000
ATLANTA-SANDY SPRINGS-MARIETTA, GA 8 $ 1,420,000 $ 177,000 $ 89,000
EDISON-NEW BRUNSWICK, NJ 8 $ 2,105,000 $ 263,000 $ 121,000
JACKSON, MI 8 $ 248,000 $ 31,000 $ 50,000
SAGINAW-SAGINAW TOWNSHIP NORTH, MI 8 $ 66,000 $ 8,000 $ 52,000
BAY CITY, MI 5 $ 66,000 $ 13,000 $ 53,000
MUSKEGON-NORTON SHORES, MI 5 $ 46,000 $ 9,000 $ 55,000
CHICAGO-JOLIET-NAPERVILLE, IL 4 $ 721,000 $ 180,000 $ 211,000
BATTLE CREEK, MI 3 $ 93,000 $ 31,000 $ 48,000
HOLLAND-GRAND HAVEN, MI 3 $ 14,000 $ 4,000 $ 116,000
NILES-BENTON HARBOR, MI 3 $ 116,000 $ 38,000 $ 64,000
RALEIGH-CARY, NC 3 $ 452,000 $ 150,000 $ 115,000
READING, PA 3 $ 356,000 $ 118,000 $ 132,000
SANTA ANA-ANAHEIM-IRVINE, CA 3 $ 811,000 $ 270,000 $ 177,000
TALLAHASSEE, FL 3 $ 503,000 $ 167,000 $ 88,000
BIRMINGHAM-HOOVER, AL 2 $ 401,000 $ 200,000 $ 112,000
CHARLOTTE-GASTONIA-ROCK HILL, NC-SC 2 $ 316,000 $ 158,000 $ 85,000
DALLAS-PLANO-IRVING, TX 2 $ 370,000 $ 185,000 $ 274,000
FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL 2 $ 337,000 $ 168,000 $ 99,000
FORT WAYNE, IN 2 $ 131,000 $ 65,000 $ 68,000
KALAMAZOO-PORTAGE, MI 2 $ 27,000 $ 13,000 $ 37,000
NEW YORK-WHITE PLAINS-WAYNE, NY-NJ 2 $ 602,000 $ 301,000 $ 87,000
WINSTON-SALEM, NC 2 $ 240,000 $ 120,000 $ 68,000
AKRON, OH 1 $ 79,000 $ 79,000 $ 65,000
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 1 $ 140,000 $ 140,000 $ 140,000
ATLANTIC CITY-HAMMONTON, NJ 1 $ 244,000 $ 244,000 $ 380,000
BOWLING GREEN, KY 1 $ 116,000 $ 116,000 $ 72,000
BRUNSWICK, GA 1 $ 4,000 $ 4,000 $ 116,000
CAMDEN, NJ 1 $ 101,000 $ 101,000 $ 175,000
CAPE CORAL-FORT MYERS, FL 1 $ 52,000 $ 52,000 $ 73,000
CHATTANOOGA, TN-GA 1 $ 40,000 $ 40,000 $ 73,000
CLEVELAND-ELYRIA-MENTOR, OH 1 $ 85,000 $ 85,000 $ 36,000
COLUMBUS, OH 1 $ 123,000 $ 123,000 $ 138,000
DENVER-AURORA-BROOMFIELD, CO 1 $ 58,000 $ 58,000 $ 32,000
DURHAM-CHAPEL HILL, NC 1 $ 590,000 $ 590,000 $ 290,000
GAINESVILLE, GA 1 $ 125,000 $ 125,000 $ 25,000
GARY, IN 1 $ 147,000 $ 147,000 $ 51,000
HARTFORD-WEST HARTFORD-EAST HARTFORD, CT 1 $ 244,000 $ 244,000 $ 234,000
HOUSTON-SUGAR LAND-BAYTOWN, TX 1 $ 122,000 $ 122,000 $ 72,000
LAFAYETTE, IN 1 $ 123,000 $ 123,000 $ 58,000
LAKELAND-WINTER HAVEN, FL 1 $ 70,000 $ 70,000 $ 88,000
LANCASTER, PA 1 $ 404,000 $ 404,000 $ 190,000
LOS ANGELES-LONG BEACH-GLENDALE, CA 1 $ 240,000 $ 240,000 $ 93,000
LOUISVILLE/JEFFERSON COUNTY, KY-IN 1 $ 231,000 $ 231,000 $ 446,000
MANKATO-NORTH MANKATO, MN 1 $ 158,000 $ 158,000 $ 136,000
NEWARK-UNION, NJ-PA 1 $ 100,000 $ 100,000 $ 38,000
NORTH PORT-BRADENTON-SARASOTA, FL 1 $ 70,000 $ 70,000 $ 70,000
OCALA, FL 1 $ 155,000 $ 155,000 $ 44,000
OCEAN CITY, NJ 1 $ 190,000 $ 190,000 $ 210,000
OMAHA-COUNCIL BLUFFS, NE-IA 1 $ 160,000 $ 160,000 $ 103,000
ORLANDO-KISSIMMEE-SANFORD, FL 1 $ 78,000 $ 78,000 $ 146,000
PALM BAY-MELBOURNE-TITUSVILLE, FL 1 $ 152,000 $ 152,000 $ 90,000
PUEBLO, CO 1 $ 4,000 $ 4,000 $ 63,000
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 1 $ 35,000 $ 35,000 $ 31,000
TAMPA-ST. PETERSBURG-CLEARWATER, FL 1 $ 285,000 $ 285,000 $ 119,000
YUMA, AZ 1 $ 40,000 $ 40,000 $ 88,000

Mortgage Loan Application Detail Totals for Genisys Credit Union in 2012

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 983 $8,894,000 $9,000 $147,000 $64,000 $892,000
Refinancing 342 $53,694,000 $157,000 $590,000 $105,000 $978,000
Home Purchase 315 $33,962,000 $107,000 $400,000 $73,000 $902,000

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 1,168 $67,692,000 $57,000 $590,000 $75,000 $978,000
Not Provided 202 $12,964,000 $64,000 $370,000 $74,000 $300,000
Black or African American 156 $4,227,000 $27,000 $244,000 $58,000 $598,000
Hispanic 51 $2,167,000 $42,000 $375,000 $61,000 $165,000
Asian 51 $9,403,000 $184,000 $400,000 $118,000 $446,000
American Indian or Alaskan Native 9 $63,000 $7,000 $10,000 $45,000 $109,000
Native Hawaiian or Other Pacific Islander 3 $34,000 $11,000 $18,000 $77,000 $120,000
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) 1,449 $80,138,000 $55,000 $590,000 $76,000 $978,000
FHA-insured (Federal Housing Administration) 163 $14,057,000 $86,000 $244,000 $62,000 $902,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 22 $1,617,000 $73,000 $215,000 $47,000 $154,000
VA-guaranteed (Veterans Administration) 6 $738,000 $123,000 $180,000 $51,000 $74,000

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 720 $26,324,000 $36,000 $404,000 $73,000 $354,000
Application Denied By Financial Institution 410 $11,280,000 $27,000 $417,000 $60,000 $892,000
File Closed For Incompleteness 163 $24,989,000 $153,000 $400,000 $106,000 $933,000
Preapproval Approved but not Accepted 140 $16,142,000 $115,000 $400,000 $74,000 $902,000
Application Withdrawn By Applicant 134 $11,102,000 $82,000 $590,000 $90,000 $978,000
Preapproval Denied by Financial Institution 73 $6,713,000 $91,000 $245,000 $67,000 $600,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Application Approved But Not Accepted 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 213 $9,329,000 $43,000 $330,000 $62,000 $600,000
Other 146 $2,317,000 $15,000 $194,000 $62,000 $173,000
Debt-To-Income Ratio 88 $2,102,000 $23,000 $150,000 $47,000 $892,000
Collateral 22 $2,971,000 $135,000 $304,000 $97,000 $203,000
Employment History 6 $935,000 $155,000 $417,000 $75,000 $205,000
Insufficient Cash (Downpayment, Closing Cost) 2 $210,000 $105,000 $130,000 $38,000 $44,000
Credit Application Incomplete 1 $42,000 $42,000 $42,000 $22,000 $22,000
Unverifiable Information 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Genisys Credit Union's 2012 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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