Kaiperm Diablo Federal Credit Union Mortgage Rates, Fees & Info
Walnut Creek, CALEI: 2549009RNMXHS9AICA61
Tax ID: 94-1437566
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Kaiperm Diablo Federal Credit Union is a smaller credit union specializing in Home Purchase, Refi, and Cash Out Refi loans. Kaiperm Diablo Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: San Francisco, Los Angeles, Riverside, Reno, and Truckee among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Kaiperm Diablo Federal Credit Union has an average approval rate when compared to the average across all lenders. Kaiperm Diablo Federal Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.59% | 4/5/25 |
| 30 Year Conventional Refi | 5.48% | 4/5/25 |
| 30 Year Cash-out Refi | 6.86% | 4/5/25 |
| 15 Year Conventional Refi | 6.39% | 4/5/25 |
| 15 Year Cash-out Refi | 6.39% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Kaiperm Diablo Federal Credit Union Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Kaiperm Diablo Federal Credit Union. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
19Origination Dollar Volume (All Markets)
$6,445,000Relative Rate
Kaiperm Diablo Federal Credit Union's average 30 year fixed mortgage rate was
6.09%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.46%.
Relative Fees (Closing Costs)
Kaiperm Diablo Federal Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,248.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 7 | $2,855,000 | $407,857 | $7,433 | 7.16% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $5,180 | 6.12% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $4,508 | 6.66% |
| RENO, NV (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $5,546 | 4.88% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $5,171 | 6.13% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,702 | 7.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 7.88% |
Similar Lenders
We use machine learning to identify the top lenders compared against Kaiperm Diablo Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 176
Similarity Rank: 432
Similarity Rank: 864
Similarity Rank: 882
Similarity Rank: 1175
Similarity Rank: 1190
Similarity Rank: 1296
Similarity Rank: 1320
Similarity Rank: 1443
Similarity Rank: 1635
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 19 | $6,445,000 | $339,211 | $5,752 | 6.80% |
For 2024, Kaiperm Diablo Federal Credit Union's most frequently originated type of loan was Conventional, with 19 originations.
Loan Reason
For 2024, Kaiperm Diablo Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 4 originations. The 2nd most popular reason was Home Improvement, with 4 originations.
Loan Duration/Length
For 2024, Kaiperm Diablo Federal Credit Union's most frequently cited loan duration was 30 Year, with 8 originations. The 2nd most popular length was 15 Year, with 7 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7-8% | 8 | $930,000 | $116,250 |
| 5-6% | 5 | $1,635,000 | $327,000 |
| 6-7% | 5 | $3,225,000 | $645,000 |
| 4-5% | 1 | $655,000 | $655,000 |
During 2024, Kaiperm Diablo Federal Credit Union's average interest rate for loans was 6.09%, while their most frequently originated rate bucket for loans was 7-8%, with 8 originations.
Loan Sizing
2024 saw Kaiperm Diablo Federal Credit Union place emphasis on $200k-400k loans with 6 originations, totaling $1,680,000 in origination value.
Applicant Income
Kaiperm Diablo Federal Credit Union lent most frequently to those with incomes in the $250k+ range, with 9 originations. The second most popular income band? $150k-250k, with 7 originations.
Applicant Debt to Income Ratio
Kaiperm Diablo Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 4 originations. The next most common DTI ratio? 50-60%, with 3 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.50%
Kaiperm Diablo Federal Credit Union has an average approval rate.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 19 | $6,445,000 | $339,211 |