Kinetic Federal Credit Union Mortgage Rates, Fees & Info
Columbus, GALEI: 54930020YFOV56MQ7B70
Tax ID: 58-0667515
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Kinetic Federal Credit Union is a smaller credit union specializing in Home Improvement and Home Purchase loans. Kinetic Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Columbus, Auburn, and Atlanta among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Kinetic Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
89Origination Dollar Volume (All Markets)
$7,875,000Top 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 |
|---|---|---|---|---|---|
| COLUMBUS, GA-AL (FHA|USDA|VA) | 71 | $6,765,000 | $95,282 | $0 | 0.00% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 15 | $885,000 | $59,000 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $95,000 | $95,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against KINETIC 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 | 89 | $7,875,000 | $88,483 | $0 | 0.00% |
For 2024, Kinetic Federal Credit Union's most frequently originated type of loan was Conventional, with 89 originations.
Loan Reason
For 2024, Kinetic Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 47 originations. The 2nd most popular reason was Other, with 18 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 89 | $7,875,000 | $88,483 | $0 | 0.00% |
For 2024, Kinetic Federal Credit Union's most frequently cited loan duration was Other, with 89 originations.
Loan Sizing
2024 saw Kinetic Federal Credit Union place emphasis on $100,000 or less loans with 66 originations, totaling $3,540,000 in origination value.
Applicant Income
Kinetic Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 24 originations. The second most popular income band? $50k-75k, with 18 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 89 | $7,875,000 | $88,483 | $0 | 0.00% |
Kinetic Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 89 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications73.94%
Kinetic Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination82.02%
Kinetic Federal Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 89 | $7,875,000 | $88,483 |