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CHEVRON Federal Credit Union
Credit Union|Oakland, CA|Near-National
Loans Originated
519
Applications
715
Volume
$262 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.063%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$738
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
72.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 6.30 basis points below market average
- Lower than average lender fees
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Report Card
CHEVRON Federal Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Near-National · 7 metro areas · 36 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$505,135
Average Borrower Income
$235,674
Average Property Value
$751,378
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Sound | 447 | 86.1% | -0.044% | $781 |
Jumbo Loans | Strong | Strong | Exceptional | Strong | 72 | 13.9% | -0.177% | $476 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Sound | 477 | 91.9% | -0.073% | $758 |
Refinance | Sound | Acceptable | Strong | Acceptable | 42 | 8.1% | +0.057% | $492 |
Geographic Coverage
Metro Areas
6
States Served
36
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOFLGAIAIDILKSKYLAMAMDMEMIMSNCNENHNMNVOHOKORTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Houston, TXMSA
Volume: 163Mix: 31.41%
Place Specialization
Strong
2
Midland, TX, TXMSA
Volume: 44Mix: 8.48%
Place Specialization
Strong
3
Oakland, CAMSA
Volume: 47Mix: 9.06%
Place Specialization
Strong
4
Gulfport, MSMSA
Volume: 15Mix: 2.89%
Place Specialization
Sound
5
Denver, COMSA
Volume: 17Mix: 3.28%
Place Specialization
Sound
6
Slidell, LAMSA
Volume: 11Mix: 2.12%
Place Specialization
Sound
Top States by Place Specialization Score
1
TXState
Volume: 230Mix: 44.32%
Place Specialization
Strong
2
CAState
Volume: 108Mix: 20.81%
Place Specialization
Sound
3
COState
Volume: 33Mix: 6.36%
Place Specialization
Sound
4
LAState
Volume: 26Mix: 5.01%
Place Specialization
Sound
5
MSState
Volume: 19Mix: 3.66%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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