MYPOINT Credit Union
MYPOINT Credit Union received 569 applications in 2025 and made 349 mortgages, in 9 counties across 1 state. The median rate its borrowers got was 5.740% on a median loan of $205,000. Of 526 decisions, 175 were denials — 33.3%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300BYGLNAWS20VR43 |
|---|---|
| Applications received | 569 |
| Mortgages made | 349 |
| Denied | 175 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 43 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.49 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 21 | 5.625% | $595,000 | 16.0% |
| Refinancing | 34 | 5.550% | $700,000 | 35.9% |
| Cash-out refinancing | 290 | 5.740% | $195,000 | 33.9% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 33.3% |
Where MYPOINT Credit Union lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| San Diego County, CA | 331 | 5.740% | 33.1% |
| Riverside County, CA | 8 | Under 10 loans | 20.0% |
| Los Angeles County, CA | 2 | Under 10 loans | 33.3% |
| Orange County, CA | 2 | Under 10 loans | 60.0% |
| San Bernardino County, CA | 2 | Under 10 loans | 0.0% |
| Ventura County, CA | 2 | Under 10 loans | 0.0% |
| Stanislaus County, CA | 1 | Under 10 loans | 0.0% |
| Fresno County, CA | 0 | Under 10 loans | 100.0% |
| Imperial County, CA | 0 | Under 10 loans | 100.0% |
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When MYPOINT Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.