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CHEVRON Federal Credit Union

Credit Union•Oakland, CAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from CHEVRON Federal Credit Union — 519 loans across 715 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Near-National · 6 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate 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

Explore another lender or local market

Report Card

CHEVRON Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 6.3 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 7 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume447
Mix86.1%
Spread
-0.044%Below
Fees
$781Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume72
Mix13.9%
Spread
-0.177%Below
Fees
$476Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume477
Mix91.9%
Spread
-0.073%Below
Fees
$758Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Strong
Pull Through
Acceptable
Volume42
Mix8.1%
Spread
+0.057%Above
Fees
$492Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
519
Applications
715
Volume
$262 million
Pricing & Closing
Avg Rate Spread
-0.063%
vs. market APOR
Avg Net Fees
$738
Origination − Credits
Pullthrough Rate
72.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$505,135
Avg Borrower Income
$235,674
Avg Property Value
$751,378

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
36
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

36
36 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast4
MEMANHVT
Midwest7
IAILKSMINEOHWI
South14
ALARFLGAKYLAMDMSNCOKTNTXVAWV
West11
AKAZCACOIDNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 163Mix 31.41% of portfolio
72/100
Strong
2© Quintin Soloviev · CC BY 4.0
Midland, TXMetro
Volume 44Mix 8.48% of portfolio
70/100
Strong
3© Basil D Soufi · CC BY-SA 3.0
Oakland, CAMetro
Volume 47Mix 9.06% of portfolio
63/100
Strong
4© Infrogmation · CC BY-SA 4.0
Gulfport, MSMetro
Volume 15Mix 2.89% of portfolio
49/100
Sound
5© Quintin Soloviev · CC BY 4.0
Denver, COMetro
Volume 17Mix 3.28% of portfolio
46/100
Sound
6© Rosserver · CC BY-SA 3.0
Slidell, LAMetro
Volume 11Mix 2.12% of portfolio
46/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 230Mix 44.32% of portfolio
69/100
Strong
California
California
2
CaliforniaState
Volume 108Mix 20.81% of portfolio
60/100
Sound
Colorado
Colorado
3
ColoradoState
Volume 33Mix 6.36% of portfolio
52/100
Sound
Louisiana
Louisiana
4
LouisianaState
Volume 26Mix 5.01% of portfolio
51/100
Sound
Mississippi
Mississippi
5
MississippiState
Volume 19Mix 3.66% of portfolio
48/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.