# KEYPOINT Credit Union

> **Canonical URL:** https://saferate.com/lenders/keypoint-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


KEYPOINT Credit Union is a credit union, headquartered in San Jose, CA, serving borrowers across 12 states, with 84 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 26% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 52% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300DT7CCDCC7O6Z60
- **Headquarters:** San Jose, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** AR, AZ, CA, CO, FL, IL, MO, NC, OK, SC, TN, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.076%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $458
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 84
- **Dollar Volume:** $33 million
- **Applications Received:** 103
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $392,857
- **Average Borrower Income:** $253,726
- **Average Property Value:** $856,807

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 31/100 | 83 | +0.069% | $441 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 54 loans, Score: 30/100 (Acceptable)
- Refinance: 29 loans, Score: 40/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 30/100 | 54 | $19M | +0.067% | Acceptable 🙂 |
| Refinance | 38/100 | 30 | $14M | +0.084% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 50 | 0.02% | 57/100 |
| MO | 11 | 0.01% | 44/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Oakland | CA | 13 | 50/100 |
| San Jose | CA | 12 | 50/100 |
| Springfield, MO | MO | 11 | 47/100 |

## Frequently Asked Questions

### What loan types does KEYPOINT Credit Union offer?

KEYPOINT Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does KEYPOINT Credit Union offer mortgages?

KEYPOINT Credit Union offers mortgages in 12 states: AR, AZ, CA, CO, FL, IL, MO, NC, OK, SC, TN, TX.

### How competitive are KEYPOINT Credit Union's mortgage rates?

KEYPOINT Credit Union has a pricing score of 74/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.076% above market average.

### What type of lender is KEYPOINT Credit Union?

KEYPOINT Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in San Jose, CA.

### What is KEYPOINT Credit Union's loan approval success rate?

KEYPOINT Credit Union has a pull-through score of 48/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/keypoint-credit-union

### How to Cite

> "KEYPOINT Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/keypoint-credit-union

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