Genisys Mortgage Rates, Fees & Info
Auburn Hills, MILEI: 549300QIUZLVR1OLDH55
Tax ID: 38-1445060
2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Overview
Genisys is a smaller mortgage company specializing in Refi, Cash Out Refi, and Home Purchase loans. Genisys has a high proportion of conventional loans. Their top markets include Detroit, Flint, Minneapolis, Lansing, and Philadelphia among others. Genisys has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Genisys is typically a low fee lendor.Originations
4,436Origination Dollar Volume (All Markets)
$670,660,000Awards
GENISYS - 2021
GENISYS is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
Work for GENISYS?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Relative Rate
Genisys's average 30 year fixed rate mortgage of loans were
3.12%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.03%.
Relative Fees
Genisys's average total fees for a 30 year fixed rate
mortgage are $2,613.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3,228 | $478,830,000 | $148,336 | $2,144 | 3.11% |
| FLINT, MI (FHA|USDA|VA) | 366 | $41,760,000 | $114,098 | $2,017 | 3.11% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 244 | $38,300,000 | $156,967 | $2,342 | 2.86% |
| Outside of Metro Areas | 156 | $20,840,000 | $133,590 | $2,132 | 3.04% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 33 | $9,245,000 | $280,152 | $2,352 | 3.15% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 58 | $8,910,000 | $153,621 | $2,911 | 2.73% |
| ANN ARBOR, MI (FHA|USDA|VA) | 54 | $8,050,000 | $149,074 | $2,112 | 2.96% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 6 | $7,210,000 | $1,201,667 | $2,221 | 2.95% |
| Traverse City, MI (FHA|USDA|VA) | 17 | $5,315,000 | $312,647 | $2,505 | 2.71% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 10 | $2,520,000 | $252,000 | $4,160 | 2.47% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 9 | $2,445,000 | $271,667 | $2,352 | 2.65% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $2,330,000 | $582,500 | $3,109 | 3.03% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 19 | $2,315,000 | $121,842 | $2,387 | 2.73% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 13 | $2,305,000 | $177,308 | $2,132 | 3.09% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 11 | $2,215,000 | $201,364 | $3,653 | 2.65% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $2,120,000 | $530,000 | $2,277 | 2.25% |
| SAGINAW, MI (FHA|USDA|VA) | 14 | $2,000,000 | $142,857 | $2,379 | 2.73% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 9 | $1,845,000 | $205,000 | $4,153 | 3.04% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 6 | $1,650,000 | $275,000 | $4,371 | 2.79% |
| MONROE, MI (FHA|USDA|VA) | 7 | $1,495,000 | $213,571 | $3,662 | 3.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 8 | $1,490,000 | $186,250 | $3,506 | 2.29% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $3,996 | 3.38% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $0 | 2.74% |
| Adrian, MI (FHA|USDA|VA) | 8 | $960,000 | $120,000 | $2,447 | 3.61% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $4,554 | 2.94% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $2,554 | 2.87% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $2,139 | 2.56% |
| JACKSON, MI (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $2,331 | 2.83% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $2,785 | 2.58% |
| TOLEDO, OH (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $3,025 | 3.31% |
| NILES, MI (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $2,553 | 2.69% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $730,000 | $121,667 | $1,708 | 2.93% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 6 | $720,000 | $120,000 | $2,950 | 2.31% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $3,642 | 2.50% |
| MIDLAND, MI (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $1,564 | 3.54% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $4,978 | 3.38% |
| Coldwater, MI (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $1,977 | 2.56% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,641 | 3.00% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,720 | 2.88% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,567 | 2.50% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,241 | 2.31% |
| DULUTH, MN-WI (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $1,635 | 3.25% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,037 | 2.43% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,195 | 3.13% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $1,740 | 2.81% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,244 | 2.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,327 | 3.19% |
| Cadillac, MI (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $2,040 | 3.08% |
| Mount Pleasant, MI (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,469 | 3.06% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,512 | 3.25% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,530 | 2.06% |
| Brevard, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,689 | 2.63% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,024 | 3.63% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,989 | 2.25% |
| Big Rapids, MI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,353 | 2.88% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,662 | 3.50% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,740 | 3.13% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,819 | 2.38% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,362 | 2.88% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $1,865 | 5.00% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,058 | 3.00% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,811 | 3.13% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,050 | 2.50% |
| Alpena, MI (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,317 | 2.75% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,927 | 3.13% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 1.99% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,621 | 3.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,103 | 2.38% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,955 | 3.50% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,015 | 2.75% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,938 | 3.13% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,590 | 3.38% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,965 | 3.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,176 | 2.25% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,983 | 2.38% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,359 | 2.63% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $2,472 | 2.79% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,197 | 2.88% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,414 | 3.13% |
| Dayton, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,948 | 2.88% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,167 | 3.13% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,926 | 3.38% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,274 | 2.63% |
| Red Wing, MN (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $2,236 | 2.62% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,974 | 2.50% |
| Holland, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,276 | 2.63% |
| Auburn, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,969 | 2.88% |
| Ludington, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,257 | 2.88% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,557 | 3.13% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,153 | 2.38% |
| Alma, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,950 | 2.38% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $2,295 | 2.75% |
| Warren, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 1.99% |
| Houghton, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,045 | 3.38% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,709 | 3.25% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,677 | 2.25% |
| Greenville, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,299 | 2.38% |
| Hillsdale, MI (FHA|USDA|VA) | 2 | $60,000 | $30,000 | $238 | 3.62% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 1.99% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 1.99% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 1.99% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $274 | 5.25% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 1.99% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $252 | 4.74% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.25% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $255 | 4.50% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 3.99% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $237 | 2.99% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $260 | 2.99% |
Genisys's top markets include Detroit, Flint, Minneapolis, Lansing, and Philadelphia among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 4,436 | $670,660,000 | $151,186 | $2,190 | 3.07% |
For the 2021 period, Genisys's most frequently originated loan type of loans were Conventional, with 4,436 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Refi | 1,604 | $242,370,000 | $151,103 | $2,012 | 2.99% |
| Cash Out Refi | 827 | $157,595,000 | $190,562 | $2,458 | 2.95% |
| Other | 730 | $81,220,000 | $111,260 | $1,682 | 3.31% |
| Home Purchase | 654 | $143,100,000 | $218,807 | $2,896 | 3.00% |
| Home Improvement | 621 | $46,375,000 | $74,678 | $462 | 3.21% |
For the 2021, Genisys's most frequently cited loan purpose of loans were Refi, with 1,604 originations. The 2nd most popular reason of loans were Cash Out Refi, with 827 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 1,510 | $319,310,000 | $211,464 | $2,613 | 3.12% |
| 20 Year | 1,489 | $139,775,000 | $93,872 | $2,382 | 3.03% |
| 15 Year | 911 | $144,755,000 | $158,897 | $2,120 | 2.76% |
| 10 Year | 446 | $50,020,000 | $112,152 | $1,114 | 3.55% |
| 5 Year | 77 | $4,725,000 | $61,364 | $240 | 3.71% |
| 1 Year | 2 | $5,870,000 | $2,935,000 | $0 | 3.95% |
| Other | 1 | $6,205,000 | $6,205,000 | $0 | 3.80% |
For the 2021, Genisys's most frequently cited loan length of loans were 30 Year, with 1,510 originations. The 2nd most popular length of loans were 20 Year, with 1,489 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 2,645 | $449,295,000 | $169,866 |
| $1k-2k | 427 | $77,375,000 | $181,206 |
| $2k-3k | 33 | $8,865,000 | $268,636 |
| $3k-4k | 17 | $4,015,000 | $236,176 |
| $5k+ | 10 | $2,950,000 | $295,000 |
$2,613 of loans were Genisys's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 2,645 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| <2.5% | 1,574 | $216,790,000 | $137,732 |
| 3-4% | 1,187 | $203,265,000 | $171,243 |
| 2.5-3% | 1,184 | $216,350,000 | $182,728 |
| 4-5% | 247 | $21,605,000 | $87,470 |
| 5-6% | 129 | $7,135,000 | $55,310 |
| 6-7% | 67 | $3,375,000 | $50,373 |
| 7-8% | 40 | $1,790,000 | $44,750 |
| Over 8% | 8 | $350,000 | $43,750 |
During 2021, Genisys's average interest rate of loans were 3.12%, while their most frequently originated rate bucket of loans were <2.5%, with 1,574 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 1,823 | $99,355,000 | $54,501 | $1,306 | 3.38% |
| $100k-200k | 1,591 | $229,935,000 | $144,522 | $2,282 | 2.82% |
| $200k-400k | 856 | $227,090,000 | $265,292 | $2,790 | 2.91% |
| $400k-600k | 113 | $53,165,000 | $470,487 | $3,427 | 2.84% |
| $600k-1MM | 30 | $22,680,000 | $756,000 | $3,738 | 2.90% |
| $1MM+ | 23 | $38,435,000 | $1,671,087 | $4,205 | 3.06% |
2021 saw Genisys place emphasis on $100,000 or less loans with 1,823 originations, totaling $99,355,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 1,064 | $162,040,000 | $152,293 | $2,188 | 3.07% |
| $50k-75k | 993 | $119,145,000 | $119,985 | $2,086 | 3.10% |
| $75k-100k | 802 | $107,640,000 | $134,214 | $2,140 | 3.22% |
| $50k or less | 728 | $67,900,000 | $93,269 | $2,002 | 3.05% |
| $150k-250k | 630 | $125,820,000 | $199,714 | $2,584 | 2.89% |
| $250k+ | 190 | $62,050,000 | $326,579 | $2,635 | 2.86% |
Genisys lent most frequently to those with incomes in the $100k-150k range, with 1,064 originations. The second most popular income band? $50k-75k, with 993 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 1,200 | $171,640,000 | $143,033 | $2,233 | 2.90% |
| 30-36% | 844 | $123,980,000 | $146,896 | $2,173 | 3.13% |
| <20% | 611 | $87,555,000 | $143,298 | $2,092 | 2.63% |
| 41% | 156 | $22,510,000 | $144,295 | $2,207 | 3.42% |
| 38% | 148 | $20,980,000 | $141,757 | $1,993 | 3.38% |
| 39% | 147 | $21,785,000 | $148,197 | $2,061 | 3.28% |
| 42% | 144 | $24,200,000 | $168,056 | $2,194 | 3.45% |
| 40% | 139 | $18,585,000 | $133,705 | $2,052 | 3.39% |
| 36% | 130 | $20,890,000 | $160,692 | $2,315 | 3.21% |
| 44% | 128 | $20,450,000 | $159,766 | $2,410 | 3.30% |
| 45% | 122 | $17,750,000 | $145,492 | $2,297 | 3.37% |
| 43% | 117 | $17,575,000 | $150,214 | $2,359 | 3.32% |
| 37% | 109 | $15,675,000 | $143,807 | $2,048 | 3.20% |
| 46% | 93 | $15,275,000 | $164,247 | $2,228 | 3.30% |
| 47% | 93 | $12,095,000 | $130,054 | $2,098 | 3.17% |
| 48% | 91 | $14,195,000 | $155,989 | $2,420 | 3.05% |
| 49% | 71 | $11,435,000 | $161,056 | $2,309 | 3.11% |
| 50-60% | 29 | $3,875,000 | $133,621 | $2,163 | 3.45% |
| >60% | 14 | $1,660,000 | $118,571 | $1,649 | 3.35% |
Genisys lent most frequently to those with DTI ratios of 20-30%, with 1,200 originations. The next most common DTI ratio? 30-36%, with 844 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 3,258 | $466,290,000 | $143,122 | $2,141 | 3.07% |
| Not provided | 833 | $137,715,000 | $165,324 | $2,387 | 3.02% |
| Not applicable | 17 | $24,085,000 | $1,416,765 | $0 | 3.79% |
| Black | 163 | $18,295,000 | $112,239 | $2,032 | 3.35% |
| Asian | 106 | $17,300,000 | $163,208 | $2,399 | 2.86% |
| Asian Indian | 26 | $2,880,000 | $110,769 | $1,310 | 2.96% |
| American Indian | 21 | $2,525,000 | $120,238 | $2,079 | 3.25% |
| Native Hawaiian | 4 | $570,000 | $142,500 | $2,701 | 3.59% |
| Other Asian | 2 | $340,000 | $170,000 | $3,142 | 2.31% |
| Chinese | 1 | $205,000 | $205,000 | $2,021 | 2.88% |
| Filipino | 3 | $185,000 | $61,667 | $1,240 | 3.33% |
| Japanese | 1 | $165,000 | $165,000 | $2,759 | 2.75% |
| Vietnamese | 1 | $105,000 | $105,000 | $0 | 1.99% |
Approval Rates
Total approvals of all applications82.31%
Genisys has a below average approval rate.
Pick Rate
Approvals leading to origination83.39%
Genisys has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 22 | $1,430,000 | $65,000 |
| 1051.5 | 1 | $305,000 | $305,000 |
| 1081.5 | 1 | $255,000 | $255,000 |
| 1590.5 | 1 | $325,000 | $325,000 |
| 1711.5 | 1 | $405,000 | $405,000 |
| 171.5 | 2 | $110,000 | $55,000 |
| 236.5 | 231 | $15,555,000 | $67,338 |
| 236.8 | 1 | $155,000 | $155,000 |
| 240.5 | 1 | $65,000 | $65,000 |
| 246.5 | 1 | $25,000 | $25,000 |
| 2481.5 | 1 | $555,000 | $555,000 |
| 251.5 | 25 | $1,665,000 | $66,600 |
| 254.5 | 4 | $400,000 | $100,000 |
| 259.5 | 7 | $585,000 | $83,571 |
| 270.5 | 3 | $325,000 | $108,333 |
| 273.5 | 2 | $180,000 | $90,000 |
| 284.5 | 7 | $555,000 | $79,286 |
| 454.5 | 1 | $155,000 | $155,000 |
| 671.5 | 1 | $115,000 | $115,000 |
| 71.5 | 1 | $55,000 | $55,000 |
| 736.5 | 1 | $35,000 | $35,000 |
| 826.5 | 1 | $185,000 | $185,000 |
| 838.5 | 1 | $195,000 | $195,000 |
| 846.5 | 1 | $205,000 | $205,000 |
| NA | 4,118 | $646,820,000 | $157,071 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4,436 | $670,660,000 | $151,186 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 776 | $79,130,000 | $101,972 | $1,685 | 2.96% |
| 40-60% | 862 | $134,000,000 | $155,452 | $2,149 | 2.78% |
| 60-80% | 1,222 | $273,410,000 | $223,740 | $2,540 | 2.96% |
| 80-100% | 585 | $134,275,000 | $229,530 | $2,813 | 3.07% |
| Over 100% | 1 | $2,655,000 | $2,655,000 | $0 | 3.70% |
| Under 20% | 990 | $47,190,000 | $47,667 | $336 | 3.54% |
