KEYPOINT Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
69th18.4% deniedPricingmedian rate spread over APOR, weight 30%
80th-0.59 ptsProcesswithdrawn + incomplete share, weight 15%
30th16.2%Closing coststotal loan costs ÷ loan amount, weight 10%
85th1.52% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 110 | 82 | 0.9% | 1.1% | 7.00% | $32M |
| 2024 | 280 | 258 | 0.4% | 0.4% | 6.74% | $66M |
| 2025 | 538 | 361 | 15.4% | 18.4% | 6.49% | $120M |
What KEYPOINT Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 349 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 50 investment properties.
Why KEYPOINT Credit Union denies applications
Primary reason reported for each of the 83 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at KEYPOINT Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 59 | 32 | 34.7% |
| $100k – $150k | 94 | 67 | 23.6% |
| $150k – $250k | 178 | 120 | 17.7% |
| Over $250k | 192 | 134 | 10.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 40 | 26 | 18.8% |
| 35–44 | 128 | 79 | 17.8% |
| 45–54 | 137 | 92 | 19.1% |
| 55–64 | 131 | 88 | 21.1% |
| 65–74 | 62 | 47 | 14.6% |
| Over 74 | 38 | 27 | 15.6% |
Where KEYPOINT Credit Union lends
26 states and 80 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 454 | 314 | 14.8% | 6.49% | #272 |
| Texas | 13 | 10 | 23.1% | 6.45% | #920 |
| South Carolina | 8 | 5 | 12.5% | 7.00% | #563 |
| Arizona | 7 | 5 | 0.0% | 6.49% | #550 |
| Tennessee | 7 | 5 | 0.0% | 6.38% | #697 |
| Georgia | 5 | 1 | 60.0% | 5.50% | #772 |
| Missouri | 5 | 2 | 0.0% | 7.06% | #582 |
Frequently asked questions
KEYPOINT Credit Union denied 18.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 69th percentile of home-equity (HELOC) lenders.
The most common reason KEYPOINT Credit Union gave in 2025 was "debt-to-income ratio", cited on 62.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans KEYPOINT Credit Union originated in 2025 was 6.49%, and its median rate spread over the average prime offer rate was -0.59 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 17% of its applications were for home purchases, 23% for refinancing (including cash-out), and 60% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.