Kaiperm Diablo Federal Credit Union Mortgage Rates, Fees & Info
Walnut Creek, CALEI: 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 Improvement, Home Purchase, 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, Santa Rosa, Los Angeles, Provo, and Riverside among others. We have data for 8 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. Kaiperm Diablo Federal Credit Union is typically a high 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.
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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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
27Origination Dollar Volume (All Markets)
$9,365,000Top 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) | 19 | $6,595,000 | $347,105 | $13,219 | 4.70% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $1,355,000 | $1,355,000 | $6,318 | 3.63% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $5,715 | 5.25% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,739 | 3.88% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.00% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.75% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.50% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.00% |
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 | 27 | $9,365,000 | $346,852 | $10,358 | 4.65% |
For 2022, Kaiperm Diablo Federal Credit Union's most frequently originated type of loan was Conventional, with 27 originations.
Loan Reason
For 2022, Kaiperm Diablo Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 11 originations. The 2nd most popular reason was Other, with 7 originations.
Loan Duration/Length
For 2022, Kaiperm Diablo Federal Credit Union's most frequently cited loan duration was 15 Year, with 15 originations. The 2nd most popular length was 10 Year, with 7 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $2k-3k | 7 | $5,495,000 | $785,000 |
| $4k-5k | 1 | $475,000 | $475,000 |
Kaiperm Diablo Federal Credit Union's average total fees were $18,479, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 7 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 15 | $5,125,000 | $341,667 |
| 4-5% | 5 | $3,545,000 | $709,000 |
| 5-6% | 4 | $410,000 | $102,500 |
| 6-7% | 3 | $285,000 | $95,000 |
During 2022, Kaiperm Diablo Federal Credit Union's average interest rate for loans was 4.67%, while their most frequently originated rate bucket for loans was 3-4%, with 15 originations.
Loan Sizing
2022 saw Kaiperm Diablo Federal Credit Union place emphasis on $100k-200k loans with 8 originations, totaling $1,030,000 in origination value.
Applicant Income
Kaiperm Diablo Federal Credit Union lent most frequently to those with incomes in the $250k+ range, with 15 originations. The second most popular income band? $150k-250k, with 4 originations.
Applicant Debt to Income Ratio
Kaiperm Diablo Federal Credit Union lent most frequently to those with DTI ratios of 30-36%, with 6 originations. The next most common DTI ratio? 20-30%, with 5 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.67%
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 origination92.59%
Kaiperm Diablo Federal Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 27 | $9,365,000 | $346,852 |