# MYPOINT Credit Union

> **Canonical URL:** https://saferate.com/lenders/mypoint-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


MYPOINT Credit Union is a credit union, headquartered in San Diego, CA, with 51 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 61% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300BYGLNAWS20VR43
- **Headquarters:** San Diego, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 51
- **Dollar Volume:** $36 million
- **Applications Received:** 55
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $714,020
- **Average Borrower Income:** $485,431
- **Average Property Value:** $1,130,652

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 23/100 | 40 | -0.707% | $228 | Acceptable 🙂 |
| Jumbo | 58/100 | 10 | - | - | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 27 loans, Score: 21/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 24/100 | 35 | $26M | -0.402% | Acceptable 🙂 |
| Refinance | 30/100 | 16 | $10M | -1.926% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 51 | 0.02% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Diego | CA | 34 | 63/100 |
| Non |  | 13 | 33/100 |

## Frequently Asked Questions

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

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

### Where does MYPOINT Credit Union offer mortgages?

MYPOINT Credit Union offers mortgages in 1 states: CA.

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

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

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

MYPOINT Credit Union has a pull-through score of 39/100 (Acceptable). 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/mypoint-credit-union

### How to Cite

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

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