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Kinecta

Credit Union•Manhattan Beach, CAHQ•Direct•Reviews near you on Google

Kinecta has 230 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 4 mkts
Safe Rate Awards
Jumbo Superstar
Jumbo
Superstar

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Report Card

Kinecta performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+4.8 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
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Acceptable
Volume162
Mix70.4%
Spread
+0.051%Above
Fees
$1,683Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume63
Mix27.4%
Spread
-0.060%Below
Fees
$481Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Acceptable
Volume183
Mix79.6%
Spread
+0.066%Above
Fees
$1,405Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume47
Mix20.4%
Spread
-0.007%Below
Fees
$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
4
markets with activity
States Served
24
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

24
24 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
NJNY
Midwest5
INKSMONEOH
South6
FLGALAMDNCTX
West11
AZCACOIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 68Mix 29.57% of portfolio
66/100
Strong
2© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 23Mix 10.00% of portfolio
55/100
Sound
3© Theresa Marconi · CC BY-SA 3.0
Rochester, NYMetro
Volume 14Mix 6.09% of portfolio
48/100
Sound
4© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 16Mix 6.96% of portfolio
47/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 149Mix 64.78% of portfolio
66/100
Strong
New York
New York
2
New YorkState
Volume 15Mix 6.52% of portfolio
45/100
Sound
Washington
Washington
3
WashingtonState
Volume 13Mix 5.65% of portfolio
44/100
Sound
Arizona
Arizona
4
ArizonaState
Volume 10Mix 4.35% of portfolio
41/100
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.