Applications / Mortgage Analytics / Lenders / California / Keypoint Credit Union
San Jose, CA · Credit union · NCUA · $1.7 billion assets · 361 loans in 2025
Keypoint Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
361
loans originated, 2025
538
applications, 2025
20
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Keypoint Credit Union, a San Jose lender, bounced back in 2025, making 361 loans, 40% more than in 2024, and its loans are far larger than most credit unions'.
It made 361 loans, up from 258, while similar lenders (credit unions making between half and twice as many loans) grew 7%; it grew faster than more than four in five of them. Its count had collapsed from 736 in 2021 to 82 in 2023, so 2025 is still about half its 2021 level.
Its typical loan was $255,000, against $105,000 at similar lenders, larger than at nearly all of them. Jumbo loans (larger than the conforming limit) were 10.3% of its lending, against 0.5%. Home improvement made up 34.3% of its loans; purchases were 20.2%.
Majority-minority neighborhoods took 53.5% of its loans, against 11.9% at similar lenders. Low- and moderate-income (LMI) borrowers took 14.2%, against 27.6%, among the lowest tenth. Its large loans may explain much of that.
Its typical rate was 6.49%, lower than at about three in four similar lenders, where it was 6.99%. Only 0.6% of its loans were higher-priced (a rate well above the average for similar loans), against 1.9%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Keypoint Credit Union took 538 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 34.3% · Refinance 24.4% · Other 21.1% · Purchase 20.2%
Conventional 100.0% · of 361 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 314 | 87.0% |
| Texas | 10 | 2.8% |
| Arizona | 5 | 1.4% |
| South Carolina | 5 | 1.4% |
| Tennessee | 5 | 1.4% |
| Florida | 3 | 0.8% |
| Nevada | 3 | 0.8% |
| Missouri | 2 | 0.6% |
| Oregon | 2 | 0.6% |
| Washington | 2 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oakland-Fremont-Berkeley | 92 |
| San Jose-Sunnyvale-Santa Clara | 80 |
| Santa Maria-Santa Barbara | 50 |
| Sacramento-Roseville-Folsom | 22 |
| Stockton-Lodi | 14 |
| San Francisco-San Mateo-Redwood City | 13 |
| San Diego-Chula Vista-Carlsbad | 6 |
| Columbia | 5 |
| Merced | 5 |
| Oxnard-Thousand Oaks-Ventura | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DT7CCDCC7O6Z60 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 550091 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 565299 | 1990–2017 |
Established 1 January 1979. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Keypoint Credit Union's data.
Keypoint Credit Union's data
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Keypoint Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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