Kinecta Mortgage Rates, Fees & Info
Manhattan Beach, CALEI: 549300IKS3MMB5YK6T18
Tax ID: 95-6038909
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Mortgage Data
Review & Overview
Kinecta is a small mortgage company specializing in Cash Out Refi, Refi, and Home Purchase loans. Kinecta has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, Riverside, San Diego, San Francisco, and Oxnard among others. We have data for 85 markets. (Some data included below & more in-depth data is available with an active subscription.)Kinecta 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. Kinecta 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 5.93% | 4/21/24 |
| 30 Year Conventional Refi | 6.02% | 4/21/24 |
| 30 Year Cash-out Refi | 6.17% | 4/21/24 |
| 30 Year FHA Purchase | 6.90% | 4/21/24 |
| 30 Year FHA Refi | 6.27% | 4/21/24 |
| 30 Year VA Purchase | 6.03% | 4/21/24 |
| 15 Year Conventional Purchase | 6.44% | 4/21/24 |
| 15 Year Conventional Refi | 6.10% | 4/21/24 |
| 15 Year Cash-out Refi | 6.10% | 4/21/24 |
| 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. | ||
Kinecta Mortgage Calculator
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This is not an official calculator from Kinecta. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,225Origination Dollar Volume (All Markets)
$1,459,915,000Top 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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2,212 | $1,027,070,000 | $464,317 | $4,591 | 3.37% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 297 | $105,235,000 | $354,327 | $4,104 | 3.43% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 110 | $66,920,000 | $608,364 | $5,202 | 3.40% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 57 | $46,265,000 | $811,667 | $6,437 | 3.42% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 97 | $39,675,000 | $409,021 | $4,685 | 3.45% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 93 | $39,455,000 | $424,247 | $4,479 | 3.53% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 30 | $18,890,000 | $629,667 | $6,215 | 3.25% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 18 | $13,650,000 | $758,333 | $5,640 | 3.36% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 33 | $12,525,000 | $379,545 | $3,706 | 3.22% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 15 | $11,105,000 | $740,333 | $4,875 | 3.47% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 40 | $10,730,000 | $268,250 | $3,937 | 3.20% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 20 | $6,010,000 | $300,500 | $4,288 | 3.41% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 13 | $4,495,000 | $345,769 | $3,976 | 3.03% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 13 | $3,665,000 | $281,923 | $3,377 | 3.26% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 15 | $3,465,000 | $231,000 | $3,956 | 3.31% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 12 | $3,270,000 | $272,500 | $3,686 | 3.38% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 7 | $3,165,000 | $452,143 | $4,033 | 3.04% |
| Heber, UT (FHA|USDA|VA) | 4 | $2,920,000 | $730,000 | $4,928 | 3.19% |
| MODESTO, CA (FHA|USDA|VA) | 7 | $2,685,000 | $383,571 | $4,599 | 3.23% |
| FRESNO, CA (FHA|USDA|VA) | 6 | $2,390,000 | $398,333 | $4,727 | 3.16% |
| Outside of Metro Areas | 8 | $2,310,000 | $288,750 | $3,838 | 3.27% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $1,910,000 | $318,333 | $4,329 | 3.75% |
| SALINAS, CA (FHA|USDA|VA) | 6 | $1,690,000 | $281,667 | $3,799 | 3.75% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $1,550,000 | $775,000 | $9,311 | 3.44% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $1,500,000 | $375,000 | $4,556 | 3.50% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $5,010 | 3.40% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $1,330,000 | $665,000 | $3,230 | 3.12% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $3,300 | 3.17% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $4,655 | 3.25% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $6,607 | 2.96% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $2,837 | 3.29% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $1,025,000 | $1,025,000 | $6,448 | 3.25% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $3,531 | 3.44% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $3,610 | 3.25% |
| BEND, OR (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $4,673 | 2.56% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $3,118 | 3.13% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $26,131 | 3.44% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,538 | 3.19% |
| SALEM, OR (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $4,668 | 3.50% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $10,779 | 2.75% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $2,969 | 3.50% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $4,389 | 3.16% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $2,939 | 3.88% |
| RENO, NV (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,661 | 3.19% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $3,325 | 3.75% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $6,618 | 3.06% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $5,103 | 3.38% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $2,785 | 3.71% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $7,883 | 3.75% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,038 | 3.75% |
| NAPA, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,926 | 3.00% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,783 | 3.63% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,944 | 3.75% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $7,077 | 2.88% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,391 | 3.38% |
| MERCED, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,196 | 3.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,186 | 2.75% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,225 | 2.50% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,828 | 2.88% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,389 | 3.88% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,243 | 2.38% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,969 | 2.63% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,300 | 3.13% |
| Edwards, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,343 | 3.13% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,533 | 3.50% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,682 | 3.38% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,098 | 2.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,997 | 4.00% |
| Greenville, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,968 | 3.25% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,233 | 2.75% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,886 | 3.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,434 | 3.50% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,495 | 3.25% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,439 | 3.38% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,799 | 2.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,720 | 2.50% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,933 | 3.25% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,938 | 3.25% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,756 | 2.88% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,782 | 3.38% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,763 | 3.13% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,478 | 2.88% |
| Fernley, NV (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,850 | 2.50% |
| CHICO, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.00% |
| Adrian, MI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $2,804 | 2.50% |
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Product Mix
For 2020, Kinecta's most frequently originated type of loan was Conventional, with 2,833 originations. Their 2nd most popular type was HELOC, with 380 originations.
Loan Reason
For 2020, Kinecta's most frequently cited loan purpose was Cash Out Refi, with 1,705 originations. The 2nd most popular reason was Refi, with 1,125 originations.
Loan Duration/Length
For 2020, Kinecta's most frequently cited loan duration was 30 Year, with 2,468 originations. The 2nd most popular length was 15 Year, with 480 originations.
Origination Fees/Closing Costs
Kinecta's average total fees were $4,960, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,287 originations.
Interest Rates
During 2020, Kinecta's average interest rate for loans was 3.50%, while their most frequently originated rate bucket for loans was 3-4%, with 1,942 originations.
Loan Sizing
2020 saw Kinecta place emphasis on $200k-400k loans with 1,203 originations, totaling $361,865,000 in origination value.
Applicant Income
Kinecta lent most frequently to those with incomes in the $150k-250k range, with 863 originations. The second most popular income band? $100k-150k, with 813 originations.
Applicant Debt to Income Ratio
Kinecta lent most frequently to those with DTI ratios of 20-30%, with 784 originations. The next most common DTI ratio? 30-36%, with 598 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.42%
Kinecta has an average approval rate.
Pick Rate
Approvals leading to origination71.57%
Kinecta has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,225 | $1,459,915,000 | $452,687 |