Kaiperm Diablo Federal Credit Union Mortgage Rates, Fees & Info

Walnut Creek, CA

LEI: 2549009RNMXHS9AICA61

Tax ID: 94-1437566

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Mortgage Data

Review & Overview

Kaiperm Diablo Federal Credit Union is a smaller credit union specializing in Home Purchase loans. Kaiperm Diablo Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: San Francisco, Bremerton, Stockton, Los Angeles, and Vallejo 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 above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.

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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 5.49% 3/28/24
30 Year Cash-out Refi 6.32% 3/28/24
15 Year Conventional Purchase 5.68% 3/28/24
15 Year Conventional Refi 5.68% 3/28/24
15 Year Cash-out Refi 5.68% 3/28/24
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

16

Origination Dollar Volume (All Markets)

$3,890,000

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 $2,295,000 $327,857 $7,924 7.34%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $855,000 $855,000 $7,847 5.88%
STOCKTON, CA (FHA|USDA|VA) 2 $320,000 $160,000 $0 7.75%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $180,000 $90,000 $0 7.88%
VALLEJO, CA (FHA|USDA|VA) 2 $90,000 $45,000 $0 8.00%
MODESTO, CA (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.00%
YUBA CITY, CA (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.00%
Kaiperm Diablo Federal Credit Union's top markets include San Francisco, Bremerton, Stockton, Los Angeles, and Vallejo among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • 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.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 16 $3,890,000 $243,125 $7,898 7.53%

    For 2023, Kaiperm Diablo Federal Credit Union's most frequently originated type of loan was Conventional, with 16 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 7 $615,000 $87,857 $0 7.79%
    Other 6 $460,000 $76,667 $0 7.96%
    Home Purchase 3 $2,815,000 $938,333 $7,898 6.08%

    For 2023, Kaiperm Diablo Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 7 originations. The 2nd most popular reason was Other, with 6 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 11 $975,000 $88,636 $0 7.95%
    10 Year 4 $2,880,000 $720,000 $7,898 6.50%
    5 Year 1 $35,000 $35,000 $0 7.00%

    For 2023, Kaiperm Diablo Federal Credit Union's most frequently cited loan duration was 15 Year, with 11 originations. The 2nd most popular length was 10 Year, with 4 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $2k-3k 3 $2,815,000 $938,333

    Kaiperm Diablo Federal Credit Union's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 3 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 12 $1,040,000 $86,667
    5-6% 2 $2,520,000 $1,260,000
    6-7% 2 $330,000 $165,000

    During 2023, Kaiperm Diablo Federal Credit Union's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 7-8%, with 12 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 9 $535,000 $59,444 $0 7.86%
    $100k-200k 3 $325,000 $108,333 $0 7.83%
    $200k-400k 2 $510,000 $255,000 $7,114 7.25%
    $1MM+ 1 $1,665,000 $1,665,000 $8,734 5.88%
    $600k-1MM 1 $855,000 $855,000 $7,847 5.88%

    2023 saw Kaiperm Diablo Federal Credit Union place emphasis on $100,000 or less loans with 9 originations, totaling $535,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 6 $310,000 $51,667 $0 7.79%
    $150k-250k 4 $500,000 $125,000 $0 8.00%
    $250k+ 4 $2,900,000 $725,000 $7,898 6.56%
    $50k-75k 1 $75,000 $75,000 $0 8.00%
    $75k-100k 1 $105,000 $105,000 $0 7.50%

    Kaiperm Diablo Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 6 originations. The second most popular income band? $150k-250k, with 4 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    42% 3 $165,000 $55,000 $0 7.58%
    30-36% 2 $330,000 $165,000 $0 8.00%
    <20% 2 $1,150,000 $575,000 $7,480 6.19%
    40% 2 $140,000 $70,000 $0 8.00%
    41% 2 $140,000 $70,000 $0 8.00%
    50-60% 1 $75,000 $75,000 $0 8.00%
    20-30% 1 $65,000 $65,000 $0 8.00%
    44% 1 $55,000 $55,000 $0 8.00%
    37% 1 $1,665,000 $1,665,000 $8,734 5.88%
    49% 1 $105,000 $105,000 $0 7.50%

    Kaiperm Diablo Federal Credit Union lent most frequently to those with DTI ratios of 42%, with 3 originations. The next most common DTI ratio? 30-36%, with 2 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 11 $1,935,000 $175,909 $7,480 7.60%
    Other Asian 1 $1,665,000 $1,665,000 $8,734 5.88%
    Black 3 $175,000 $58,333 $0 7.67%
    Asian 1 $115,000 $115,000 $0 8.00%

    Approval Rates

    Total approvals of all applications
    94.44%

    Kaiperm Diablo Federal Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    93.75%

    Kaiperm Diablo Federal Credit Union has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 16 $3,890,000 $243,125

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    16 $3,890,000 $243,125

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1 $855,000 $855,000 $7,847 5.88%
    60-80% 1 $295,000 $295,000 $7,114 6.50%
    80-100% 1 $1,665,000 $1,665,000 $8,734 5.88%
    Under 20% 13 $1,075,000 $82,692 $0 7.87%