STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
146
2013–2025
Total Volume
$122M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a)
146 total segments
KeyPoint CU focuses primarily on existing businesses, with 63% of their deals supporting established companies. If you're looking to acquire or expand an existing business, this lender could be a strong fit.
With an average 7(a) spread of P+1.84%, KeyPoint CU offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
KeyPoint CU has experienced a significant decline in lending activity, with a -33% year-over-year drop in deals. This trend may indicate a tighter approval process, so be prepared for potential challenges in securing funding.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
States where KeyPoint CU has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Social Assistance
Health Care & Social Assistance
Hotels & Accommodation
Accommodation & Food Services
Transportation & Warehousing
Transportation & Warehousing
Auto Repair & Maintenance
Other Services
Physician & Dental Offices
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Auto Dealers & Parts
Retail Trade
+ 7 more
All recorded SBA lending activity for KeyPoint CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 10 | P+2.25% | $620K | Q2 2024 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 8 | P+2.50% | $275K | Q3 2023 |
| California · Restaurants & Food Service · $1M – $2M | 7(a) | 7 | P+2.00% | $1.5M | Q4 2023 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 7 | P+2.25% | $444K | Q4 2018 |
| California · Social Assistance · $1M – $2M | 7(a) | 5 | P+1.00% | $1.3M | Q4 2024 |
| California · Social Assistance · $350K – $500K | 7(a) | 4 | P+2.13% | $426K | Q3 2025 |
| California · Hotels & Accommodation · $2M – $5M | 7(a) | 3 | P+1.75% | $3.1M | Q3 2017 |
| California · Auto Dealers & Parts · $500K – $1M | 7(a) | 3 | P+1.75% | $677K | Q1 2021 |
| California · Social Assistance · $500K – $1M | 7(a) | 3 | P+1.75% | $696K | Q2 2022 |
| California · Food & Beverage Stores · $500K – $1M | 7(a) | 3 | P+1.75% | $679K | Q2 2022 |
| California · Specialty Trade Contractors · $350K – $500K | 7(a) | 3 | P+1.75% | $423K | Q2 2022 |
| California · Hotels & Accommodation · $1M – $2M | 7(a) | 3 | P+1.50% | $1.1M | Q4 2022 |
| California · Physician & Dental Offices · $350K – $500K | 7(a) | 2 | P+1.00% | $405K | Q3 2022 |
| California · Accounting & Tax · $350K – $500K | 7(a) | 2 | P+1.75% | $500K | Q2 2018 |
| California · Nursing & Residential Care · $500K – $1M | 7(a) | 2 | P+2.25% | $785K | Q4 2018 |
| California · Other Repair & Services · $500K – $1M | 7(a) | 2 | P+1.38% | $904K | Q4 2019 |
| California · Social Assistance · $150K – $350K | 7(a) | 2 | P+2.63% | $313K | Q1 2022 |
| California · Miscellaneous Retail · $350K – $500K | 7(a) | 2 | P+1.38% | $455K | Q4 2022 |
| California · Manufacturing · $350K – $500K | 7(a) | 2 | P+2.38% | $456K | Q3 2021 |
| California · Social Assistance · $2M – $5M | 7(a) | 2 | P+1.50% | $3.1M | Q3 2018 |
| California · Hotels & Accommodation · $500K – $1M | 7(a) | 2 | P+1.88% | $817K | Q3 2017 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+2.75% | $65K | Q1 2015 |
| California · Transportation & Warehousing · $350K – $500K | 7(a) | 2 | P+2.63% | $355K | Q3 2025 |
| California · Auto Repair & Maintenance · $150K – $350K | 7(a) | 2 | P+2.50% | $227K | Q4 2023 |
| California · Finance & Insurance · $500K – $1M | 7(a) | 2 | P+1.63% | $710K | Q2 2022 |
Get a free personalized report comparing this lender against the best matches for your specific situation.
Free. No broker fees. Results in 10-15 minutes.
Real experiences from borrowers who closed SBA loans with KeyPoint CU.
No reviews yet. Be the first to review KeyPoint CU.