KEYPOINT Credit Union
KEYPOINT Credit Union received 529 applications in 2025 and made 361 mortgages, in 80 counties across 25 states. The median rate its borrowers got was 6.490% on a median loan of $255,000. Of 451 decisions, 83 were denials — 18.4%, most often for debt-to-income ratio. 3 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300DT7CCDCC7O6Z60 |
|---|---|
| Applications received | 529 |
| Mortgages made | 361 |
| Denied | 83 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 78 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.59 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 73 | 6.625% | $515,000 | 1.3% |
| Refinancing | 28 | 6.245% | $420,000 | 11.4% |
| Cash-out refinancing | 60 | 6.500% | $255,000 | 13.9% |
| Other purposes | 200 | 6.490% | $205,000 | 25.4% |
Where KEYPOINT Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Santa Clara County, CA | 79 | 6.490% | 19.6% |
| Alameda County, CA | 59 | 6.490% | 19.2% |
| Santa Barbara County, CA | 50 | 6.490% | 18.0% |
| Contra Costa County, CA | 33 | 6.490% | 15.4% |
| San Joaquin County, CA | 14 | 6.490% | 20.0% |
| Sacramento County, CA | 10 | 6.490% | 0.0% |
| Placer County, CA | 9 | Under 10 loans | 0.0% |
| San Mateo County, CA | 7 | Under 10 loans | 12.5% |
| San Diego County, CA | 6 | Under 10 loans | 0.0% |
| San Francisco County, CA | 6 | Under 10 loans | 0.0% |
| Merced County, CA | 5 | Under 10 loans | 0.0% |
| Ventura County, CA | 5 | Under 10 loans | 28.6% |
| Lexington County, SC | 5 | Under 10 loans | 0.0% |
| Orange County, CA | 4 | Under 10 loans | 20.0% |
| Fresno County, CA | 3 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 3 | Under 10 loans | 40.0% |
| Santa Cruz County, CA | 3 | Under 10 loans | 25.0% |
| Solano County, CA | 3 | Under 10 loans | 0.0% |
| Travis County, TX | 3 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Pinal County, AZ | 2 | Under 10 loans | 0.0% |
| El Dorado County, CA | 2 | Under 10 loans | 0.0% |
| Marin County, CA | 2 | Under 10 loans | 0.0% |
| Napa County, CA | 2 | Under 10 loans | 33.3% |
| Stanislaus County, CA | 2 | Under 10 loans | 0.0% |
| Hernando County, FL | 2 | Under 10 loans | 0.0% |
| Clark County, NV | 2 | Under 10 loans | 33.3% |
| Shelby County, TN | 2 | Under 10 loans | 0.0% |
| Taylor County, TX | 2 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Amador County, CA | 1 | Under 10 loans | 0.0% |
| Butte County, CA | 1 | Under 10 loans | 0.0% |
| Mariposa County, CA | 1 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| San Benito County, CA | 1 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 0.0% |
| Yolo County, CA | 1 | Under 10 loans | 0.0% |
| Boulder County, CO | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Forsyth County, GA | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 50.0% |
| Douglas County, KS | 1 | Under 10 loans | 0.0% |
| Warren County, KY | 1 | Under 10 loans | 0.0% |
| Worcester County, MA | 1 | Under 10 loans | 0.0% |
| Greene County, MO | 1 | Under 10 loans | 0.0% |
| Webster County, MO | 1 | Under 10 loans | 0.0% |
| Lyon County, NV | 1 | Under 10 loans | 0.0% |
| Gloucester County, NJ | 1 | Under 10 loans | 0.0% |
| Forsyth County, NC | 1 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 1 | Under 10 loans | 0.0% |
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When KEYPOINT Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.