A refinance lender
Refinances made up 92.8% of its loans and purchases only 6.0%. All were conventional, with no government backing. It lends only in California, in seven counties.
Applications / Mortgage Analytics / Lenders / California / Mypoint Credit Union
Mypoint Credit Union
San Diego, CA · Credit union · NCUA · $672 million assets · 349 loans in 2025
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349
loans originated, 2025
569
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mypoint Credit Union, a San Diego refinance lender, made half again as many loans in 2025 as in 2024, faster growth than nearly nine in ten credit unions its size.
A busier year
Its loans rose 54% to 349, faster than nearly nine in ten similar lenders (credit unions making between half and twice as many loans), which grew 7%. The dollar value rose from $69.5 million to $110.8 million. In San Diego, its home market since 1999, its share edged up to 0.3% and it ranks 68 of 639 lenders.
Larger loans at lower rates
Its typical loan was $205,000, about twice the $105,000 at similar lenders, and 9.1% of its loans were jumbo (larger than the conforming limit), against 0.4%. Its typical rate fell to 5.74% from 6.74%, lower than at more than nine in ten peers.
Diverse areas, few lower-income borrowers
Some 41.9% of its loans went to majority-minority neighborhoods, against 12.1% at similar lenders. But only 11.8% of its borrowers had low or moderate incomes, against 27.5%. Its larger loans are one possible reason; refinance borrowers with enough equity and income to qualify are another.
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
349 loans in 2025, against a peak of 361 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mypoint Credit Union took 569 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
92.8% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 92.8% · Purchase 6.0% · Home improvement 1.1%
Conventional 100.0% · of 349 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
1 state, 6 metros, 7 counties
| State | Loans | Share |
|---|---|---|
| California | 348 | 99.7% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| San Diego-Chula Vista-Carlsbad | 331 |
| Riverside-San Bernardino-Ontario | 10 |
| Anaheim-Santa Ana-Irvine | 2 |
| Los Angeles-Long Beach-Glendale | 2 |
| Oxnard-Thousand Oaks-Ventura | 2 |
| Modesto | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BYGLNAWS20VR43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 568274 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568377 | 1999–2017 |
Established 1 January 1948. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Mypoint Credit Union's data.
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