What loan types does KINECTA offer?

KINECTA offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 57.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is KINECTA?

KINECTA is a Credit Union headquartered in Manhattan Beach, CA.

Unclaimed

Kinecta

Credit Union•Manhattan Beach, CA•Direct to Consumer

Kinecta has 230 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing

Sound

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

Conventional · Jumbo

Place

Sound

Multi-Region · 4 mkts

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Report Card

Kinecta performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Sound	Industry Standard +4.8 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Acceptable	Near industry average Bottom 40% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Sound	Industry Standard Top 60% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Multi-Regional4 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Acceptable	162	70.4%	+0.051%Above	$1,683Fees
Jumbo Loans	Sound	Strong	Sound	Sound	63	27.4%	-0.060%Below	$481Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Acceptable	183	79.6%	+0.066%Above	$1,405Fees
Refinance	Sound	Sound	Sound	Sound	47	20.4%	-0.007%Below	$1,942Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

230

Applications

343

Volume

$185 million

Pricing & Closing

Avg Rate Spread

+0.048%

vs. market APOR

Avg Net Fees

$1,535

Origination − Credits

Pullthrough Rate

67.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$808,000

Avg Borrower Income

$288,900

Avg Property Value

$1,367,000

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

AZCACOFLGAIDINKSLAMDMOMTNCNENJNMNVNYOHORTXUTWAWY

Top Metro Areas by Place Specialization Score

Los Angeles, CAMSA

Volume: 68Mix: 29.57%of portfolio

Place

Strong

Anaheim, CAMSA

Volume: 23Mix: 10.00%of portfolio

Place

Sound

Rochester, NY, NYMSA

Volume: 14Mix: 6.09%of portfolio

Place

Sound

Riverside, CAMSA

Volume: 16Mix: 6.96%of portfolio

Place

Sound

Top States by Place Specialization Score

CAState

Volume: 149Mix: 64.78%of portfolio

Place

Strong

NYState

Volume: 15Mix: 6.52%of portfolio

Place

Sound

WAState

Volume: 13Mix: 5.65%of portfolio

Place

Sound

AZState

Volume: 10Mix: 4.35%of portfolio

Place

Sound

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.