KEYPOINT Credit Union in California vs the state
14.8%Denial rate-2.66 pts vs state
17.3%Decision denial rate-5.13 pts vs state
69.2%Origination rate+12.96 pts vs state
6.49%Median rate-0.13 pts vs state
-0.62Rate spread (pts)-0.89 pts vs state
$209kMedian applicant income
314Loans originated
67Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 84 | 64 | 1.2% | 7.13% | #467 |
| 2024 | 235 | 219 | 0.4% | 6.74% | #327 |
| 2025 | 454 | 314 | 14.8% | 6.49% | #272 |
What KEYPOINT Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most KEYPOINT Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Santa Clara County | 128 | 79 | 20 | 15.6% |
| Alameda County | 86 | 59 | 14 | 16.3% |
| Santa Barbara County | 70 | 50 | 11 | 15.7% |
| Contra Costa County | 39 | 33 | 6 | 15.4% |
| San Joaquin County | 21 | 14 | 4 | 19.0% |
| Sacramento County | 11 | 10 | 0 | 0.0% |
| Placer County | 10 | 9 | 0 | 0.0% |
| San Mateo County | 10 | 7 | 1 | 10.0% |
| Ventura County | 8 | 5 | 2 | 25.0% |
| Orange County | 7 | 4 | 1 | 14.3% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 454 applications in 2025, of which 314 were originated and 67 denied.
14.8% of all applications, or 17.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans KEYPOINT Credit Union originated in California in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are KEYPOINT Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology