# KINECTA

> **Canonical URL:** https://saferate.com/lenders/kinecta


> **📋 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


KINECTA is a credit union, headquartered in Manhattan Beach, CA, serving borrowers across 24 states, with 230 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 43% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300IKS3MMB5YK6T18
- **Headquarters:** Manhattan Beach, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 24
- **State List:** AZ, CA, CO, FL, GA, ID, IN, KS, LA, MD, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OR, TX, UT, WA, WY
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.048%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,535
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 230
- **Dollar Volume:** $186 million
- **Applications Received:** 343
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $808,000
- **Average Borrower Income:** $288,900
- **Average Property Value:** $1,367,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 36/100 | 162 | +0.051% | $1,683 | Acceptable 🙂 |
| Jumbo | 73/100 | 63 | -0.060% | $481 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 120 loans, Score: 35/100 (Acceptable)
- Refinance: 42 loans, Score: 43/100 (Sound)

**Jumbo:**
- Purchase: 58 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 183 | $162M | +0.066% | Sound ☺️ |
| Refinance | 42/100 | 47 | $24M | -0.007% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 149 | 0.05% | 66/100 |
| NY | 15 | 0.01% | 45/100 |
| WA | 13 | 0.02% | 44/100 |
| AZ | 10 | 0.01% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 68 | 66/100 |
| Anaheim | CA | 23 | 55/100 |
| Riverside | CA | 16 | 47/100 |
| Rochester, NY | NY | 14 | 48/100 |

## Frequently Asked Questions

### What loan types does KINECTA offer?

KINECTA offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does KINECTA offer mortgages?

KINECTA offers mortgages in 24 states: AZ, CA, CO, FL, GA, ID, IN, KS, LA, MD, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OR, TX, UT, WA, WY.

### How competitive are KINECTA's mortgage rates?

KINECTA has a pricing score of 57/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.048% above market average.

### What type of lender is KINECTA?

KINECTA is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Manhattan Beach, CA.

### What is KINECTA's loan approval success rate?

KINECTA has a pull-through score of 44/100 (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/kinecta

### How to Cite

> "KINECTA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/kinecta

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