KEYPOINT Credit Union mortgage approval rate & lending review
KEYPOINT Credit Union decided 619 mortgage applications and funded 548 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions KEYPOINT Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
KEYPOINT Credit Union at a glance
Approval is 19.5 points above the 72.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 100 / 102 | 93% | $595K | 93 |
| Home improvement loans | 87% | 226 / 260 | 100% | $155K | 226 |
| Cash-out refinance | 92% | 100 / 109 | 98% | $225K | 98 |
| Refinance | 88% | 35 / 40 | 94% | $405K | 33 |
| Investment property purchase | 100% | 73 / 73 | 93% | $215K | 68 |
KEYPOINT Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 92% | $225K | 524 | 464 |
| Texas | 90% | $125K | 20 | 16 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where KEYPOINT Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Santa Barbara County, CA | Home improvement loans | 91% | 82 | 75 |
| Santa Clara County, CA | Home improvement loans | 89% | 64 | 57 |
| Alameda County, CA | Home improvement loans | 92% | 38 | 35 |
| Santa Clara County, CA | Cash-out refinance | 90% | 30 | 26 |
| Contra Costa County, CA | Home improvement loans | 86% | 21 | 18 |
The county markets where KEYPOINT Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about KEYPOINT Credit Union
What is KEYPOINT Credit Union's mortgage approval rate?
KEYPOINT Credit Union approved 91.8% of the 619 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 19.5 points above the 72.3% national rate for the same mix of loan types.
How often do borrowers take the loan KEYPOINT Credit Union offers?
Borrowers accepted 96% of the loans KEYPOINT Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does KEYPOINT Credit Union make?
The typical home improvement loan loan KEYPOINT Credit Union made was $155K; across all loan types its typical loan ran from $155K to $595K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does KEYPOINT Credit Union lend?
KEYPOINT Credit Union decided applications in 24 of the states Fat Boy Data covers, most of them in California, Texas and Missouri.
Can I apply to KEYPOINT Credit Union directly?
Yes. KEYPOINT Credit Union is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show KEYPOINT Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how KEYPOINT Credit Union treats applications, then get a rate quote from the lender.