Mypoint Credit Union mortgage approval rate & lending review
Mypoint Credit Union decided 1,102 mortgage applications and funded 727 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mypoint Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Mypoint Credit Union at a glance
Approval is 3.6 points below the 69.9% 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 | 91% | 39 / 43 | 100% | $705K | 39 |
| Cash-out refinance | 66% | 610 / 920 | 100% | $165K | 608 |
| Refinance | 59% | 48 / 82 | 98% | $645K | 47 |
| Investment cash-out refinance | 57% | 24 / 42 | 100% | $105K | 24 |
Mypoint Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 66% | $165K | 1,101 | 727 |
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 Mypoint Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| San Diego County, CA | Cash-out refinance | 67% | 861 | 571 |
| San Diego County, CA | Refinance | 58% | 77 | 44 |
| San Diego County, CA | Investment cash-out refinance | 56% | 39 | 22 |
The county markets where Mypoint Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Mypoint Credit Union
What is Mypoint Credit Union's mortgage approval rate?
Mypoint Credit Union approved 66.2% of the 1,102 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.6 points below the 69.9% national rate for the same mix of loan types.
How often do borrowers take the loan Mypoint Credit Union offers?
Borrowers accepted 100% of the loans Mypoint Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Mypoint Credit Union make?
The typical cash-out refinance loan Mypoint Credit Union made was $165K; across all loan types its typical loan ran from $105K to $705K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mypoint Credit Union lend?
Mypoint Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in California and Utah.
Can I apply to Mypoint Credit Union directly?
Yes. Mypoint Credit Union is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Mypoint 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 Mypoint Credit Union treats applications, then get a rate quote from the lender.