Looking for a different lender?
K
KINECTA
Credit Union|Manhattan Beach, CA|Multi-Region
Loans Originated
230
Applications
343
Volume
$185 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.048%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,535
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
67.1%
Percentage of applications that result in closed loans
Report Card
KINECTA performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 4 metro areas · 24 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$808,000
Average Borrower Income
$288,900
Average Property Value
$1,367,000
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% | $1,683 |
Jumbo Loans | Sound | Strong | Sound | Sound | 63 | 27.4% | -0.060% | $481 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Acceptable | 183 | 79.6% | +0.066% | $1,405 |
Refinance | Sound | Sound | Sound | Sound | 47 | 20.4% | -0.007% | $1,942 |
Geographic Coverage
Metro Areas
4
States Served
24
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCACOFLGAIDINKSLAMDMOMTNCNENJNMNVNYOHORTXUTWAWY
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 68Mix: 29.57%
Place Specialization
Strong
2
Anaheim, CAMSA
Volume: 23Mix: 10.00%
Place Specialization
Sound
3
Rochester, NY, NYMSA
Volume: 14Mix: 6.09%
Place Specialization
Sound
4
Riverside, CAMSA
Volume: 16Mix: 6.96%
Place Specialization
Sound
Top States by Place Specialization Score
1
CAState
Volume: 149Mix: 64.78%
Place Specialization
Strong
2
NYState
Volume: 15Mix: 6.52%
Place Specialization
Sound
3
WAState
Volume: 13Mix: 5.65%
Place Specialization
Sound
4
AZState
Volume: 10Mix: 4.35%
Place Specialization
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
Ready to Get Started?
Compare KINECTA with other lenders or get personalized recommendations.