Keypoint Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Keypoint Credit Union of Santa Clara, CA reported 280 mortgage applications totaling $77.5 million, up 155% from 2023. The average application was for $276,642, and applicants reported an average income of $244,835. 92% of its applications resulted in an originated loan and 0% were denied. Its largest markets were San Jose-Sunnyvale-Santa Clara, CA (68), Oakland-Hayward-Berkeley, CA (61) and Santa Maria-Santa Barbara, CA (45) (applications in parentheses).
| Mortgage Company & Address | Keypoint Credit Union 2805 Bowers Avenue Santa Clara, CA 95051 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 280 |
| Total Mortgage Loan Application Amount | $77,460,000 |
| Average Mortgage Loan Application Amount | $276,642 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $244,835 |
| Highest Applicant Income | $578,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Keypoint Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Jose-Sunnyvale-Santa Clara, CA | 68 | $ 17,360,000 | $ 255,294 | $ 246,000 |
| Oakland-Hayward-Berkeley, CA | 61 | $ 19,455,000 | $ 318,934 | $ 261,000 |
| Santa Maria-Santa Barbara, CA | 45 | $ 10,005,000 | $ 222,333 | $ 214,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 15 | $ 4,485,000 | $ 299,000 | $ 284,000 |
| San Francisco-Redwood City-South San Francisco, CA | 13 | $ 6,105,000 | $ 469,615 | $ 280,000 |
| Springfield, MO | 11 | $ 2,295,000 | $ 208,636 | $ 179,000 |
| Austin-Round Rock, TX | 6 | $ 1,910,000 | $ 318,333 | $ 273,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 1,680,000 | $ 280,000 | $ 224,000 |
| Stockton-Lodi, CA | 6 | $ 1,710,000 | $ 285,000 | $ 220,000 |
| Columbia, SC | 4 | $ 710,000 | $ 177,500 | $ 146,000 |
| Dallas-Plano-Irving, TX | 4 | $ 2,110,000 | $ 527,500 | $ 263,000 |
| Abilene, TX | 3 | $ 715,000 | $ 238,333 | $ 270,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 565,000 | $ 188,333 | $ 261,000 |
| Modesto, CA | 3 | $ 455,000 | $ 151,666 | $ 276,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 805,000 | $ 268,333 | $ 330,000 |
| Fort Worth-Arlington, TX | 2 | $ 350,000 | $ 175,000 | $ 244,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 250,000 | $ 125,000 | $ 176,000 |
| San Diego-Carlsbad, CA | 2 | $ 130,000 | $ 65,000 | $ 217,000 |
| San Rafael, CA | 2 | $ 1,110,000 | $ 555,000 | $ 230,000 |
| Santa Rosa, CA | 2 | $ 790,000 | $ 395,000 | $ 285,000 |
| Vallejo-Fairfield, CA | 2 | $ 320,000 | $ 160,000 | $ 166,000 |
| Billings, MT | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Chicago-Naperville, IL | 1 | $ 205,000 | $ 205,000 | $ 217,000 |
| Chico, CA | 1 | $ 155,000 | $ 155,000 | $ 110,000 |
| Durham-Chapel Hill, NC | 1 | $ 145,000 | $ 145,000 | $ 250,000 |
| Fort Collins, CO | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Fresno, CA | 1 | $ 425,000 | $ 425,000 | $ 283,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 125,000 | $ 125,000 | $ 312,000 |
| Memphis, TN-MS-AR | 1 | $ 85,000 | $ 85,000 | $ 254,000 |
| Outside any metro area | 1 | $ 65,000 | $ 65,000 | $ 112,000 |
| Newark, NJ-PA | 1 | $ 575,000 | $ 575,000 | $ 204,000 |
| Oklahoma City, OK | 1 | $ 175,000 | $ 175,000 | $ 307,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 185,000 | $ 185,000 | $ 468,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 285,000 | $ 285,000 | $ 136,000 |
| Raleigh, NC | 1 | $ 165,000 | $ 165,000 | $ 538,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 35,000 | $ 35,000 | $ 74,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 545,000 | $ 545,000 | $ 578,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 765,000 | $ 765,000 | $ 0 |
Mortgage Loan Application Detail Totals for Keypoint Credit Union in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 103 | $17,465,000 | $169,000 | $505,000 | $229,000 | $508,000 |
| Home Purchase | 72 | $29,260,000 | $406,000 | $1,455,000 | $272,000 | $578,000 |
| Other Purpose | 44 | $7,860,000 | $178,000 | $255,000 | $264,000 | $563,000 |
| Cash-out Refinancing | 42 | $13,590,000 | $323,000 | $765,000 | $207,000 | $448,000 |
| Refinancing | 19 | $9,285,000 | $488,000 | $1,505,000 | $267,000 | $557,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 110 | $28,480,000 | $258,000 | $1,505,000 | $254,000 | $563,000 |
| Asian | 101 | $30,535,000 | $302,000 | $1,295,000 | $263,000 | $578,000 |
| Not Provided | 36 | $11,850,000 | $329,000 | $765,000 | $213,000 | $468,000 |
| Hispanic | 29 | $4,505,000 | $155,000 | $455,000 | $191,000 | $508,000 |
| Black or African American | 2 | $490,000 | $245,000 | $385,000 | $220,000 | $245,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $145,000 | $145,000 | $145,000 | $152,000 | $152,000 |
| Not applicable | 1 | $1,455,000 | $1,455,000 | $1,455,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 280 | $77,460,000 | $276,000 | $1,505,000 | $245,000 | $578,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 258 | $66,230,000 | $256,000 | $1,505,000 | $246,000 | $578,000 |
| Application Withdrawn By Applicant | 15 | $6,725,000 | $448,000 | $1,205,000 | $211,000 | $429,000 |
| Application Approved But Not Accepted | 6 | $3,930,000 | $655,000 | $1,295,000 | $277,000 | $445,000 |
| Application Denied By Financial Institution | 1 | $575,000 | $575,000 | $575,000 | $216,000 | $216,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 279 | $76,885,000 | $275,000 | $1,505,000 | $245,000 | $578,000 |
| Collateral | 1 | $575,000 | $575,000 | $575,000 | $216,000 | $216,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Keypoint Credit Union's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Keypoint Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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