Kaiperm Diablo Federal Credit Union Mortgage Rates, Fees & Info
Walnut Creek, CALEI: 2549009RNMXHS9AICA61
Tax ID: 94-1437566
Latest/2023 | 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 Refi, Cash Out Refi, and Home Purchase loans. Kaiperm Diablo Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: San Francisco, Napa, Sacramento, Vallejo, and Santa Rosa 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 a below average pick rate when compared to similar lenders. Kaiperm Diablo Federal Credit Union is typically an average 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 | 5.49% | 12/16/24 |
| 30 Year Cash-out Refi | 6.32% | 12/16/24 |
| 15 Year Conventional Purchase | 5.68% | 12/16/24 |
| 15 Year Conventional Refi | 5.68% | 12/16/24 |
| 15 Year Cash-out Refi | 5.68% | 12/16/24 |
| 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
37Origination Dollar Volume (All Markets)
$17,865,000Top 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) | 24 | $11,890,000 | $495,417 | $5,388 | 3.70% |
| NAPA, CA (FHA|USDA|VA) | 2 | $2,050,000 | $1,025,000 | $6,896 | 3.25% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $3,057 | 3.81% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $2,844 | 3.87% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $10,293 | 2.50% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $5,745 | 3.62% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,216 | 3.00% |
Their top states include:
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: 528
Similarity Rank: 1088
Similarity Rank: 1120
Similarity Rank: 1184
Similarity Rank: 1360
Similarity Rank: 1602
Similarity Rank: 1972
Similarity Rank: 2920
Similarity Rank: 3094
Similarity Rank: 3210
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 37 | $17,865,000 | $482,838 | $5,513 | 3.60% |
For 2020, Kaiperm Diablo Federal Credit Union's most frequently originated type of loan was Conventional, with 37 originations.
Loan Reason
For 2020, Kaiperm Diablo Federal Credit Union's most frequently cited loan purpose was Refi, with 13 originations. The 2nd most popular reason was Cash Out Refi, with 12 originations.
Loan Duration/Length
For 2020, Kaiperm Diablo Federal Credit Union's most frequently cited loan duration was 30 Year, with 19 originations. The 2nd most popular length was 15 Year, with 10 originations.
Origination Fees/Closing Costs
Kaiperm Diablo Federal Credit Union's average total fees were $5,551, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 12 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 13 | $10,255,000 | $788,846 |
| 2.5-3% | 9 | $3,615,000 | $401,667 |
| 4-5% | 9 | $2,245,000 | $249,444 |
| <2.5% | 4 | $1,590,000 | $397,500 |
| 5-6% | 2 | $160,000 | $80,000 |
During 2020, Kaiperm Diablo Federal Credit Union's average interest rate for loans was 3.49%, while their most frequently originated rate bucket for loans was 3-4%, with 13 originations.
Loan Sizing
2020 saw Kaiperm Diablo Federal Credit Union place emphasis on $200k-400k loans with 12 originations, totaling $3,440,000 in origination value.
Applicant Income
Kaiperm Diablo Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 14 originations. The second most popular income band? $250k+, with 12 originations.
Applicant Debt to Income Ratio
Kaiperm Diablo Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 11 originations. The next most common DTI ratio? 30-36%, with 8 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.06%
Kaiperm Diablo Federal Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination45.95%
Kaiperm Diablo Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 37 | $17,865,000 | $482,838 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 37 | $17,865,000 | $482,838 |