The question: "Keyword in the URL, is that a ranking factor?"
I believe that is a very small ranking factor. So it is not something I'd really try to force. And it is not something I’d say it is even worth your effort to restructure your site just so you can get keywords in your URL.
Here is the video embed:
So if you build a new page or site, then go with keywords but don't spam it out.
Forum discussion at Google+.