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

Promptness

Not enough data

—/5

No quote responses measured yet

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

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

83 loans · 0.07% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

54 loans · 0.07% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

30 loans · 0.08% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Sound

Top 60% of lenders

3/5

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

12Full-year 2024 · HMDA

Loans originated

< 1010+None

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 the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.