What loan types does KEYPOINT Credit Union offer?

KEYPOINT Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 73.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is KEYPOINT Credit Union?

KEYPOINT Credit Union is a Credit Union headquartered in San Jose, CA.

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KEYPOINT Credit Union

Credit Union•San Jose, CAHQ•Direct•Reviews near you on Google

KEYPOINT Credit Union has 84 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Multi-Region · 3 mkts

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

KEYPOINT Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+7.6 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Sound	83	98.8%	+0.069%Above	$441Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume83

Mix98.8%

Spread

+0.069%Above

Fees

$441Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Sound	54	64.3%	+0.067%Above	$497Fees
Refinance	Sound	Acceptable	Strong	Strong	30	35.7%	+0.084%Above	$418Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume54

Mix64.3%

Spread

+0.067%Above

Fees

$497Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Strong

Volume30

Mix35.7%

Spread

+0.084%Above

Fees

$418Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

103

Volume

$33 million

Pricing & Closing

Avg Rate Spread

+0.076%

vs. market APOR

Avg Net Fees

$458

Origination − Credits

Pullthrough Rate

81.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$392,857

Avg Borrower Income

$253,726

Avg Property Value

$856,807

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Midwest2

ILMO

South7

ARFLNCOKSCTNTX

West3

AZCACO

Top Metro Areas by Place Specialization Score

Oakland, CAMetro

Volume 13Mix 15.48% of portfolio

50/100

Sound

San Jose, CAMetro

Volume 12Mix 14.29% of portfolio

50/100

Sound

Springfield, MOMetro

Volume 11Mix 13.10% of portfolio

47/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 50Mix 59.52% of portfolio

57/100

Sound

MissouriState

Volume 11Mix 13.10% of portfolio

44/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.