# CHEVRON Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/chevron-federal-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

CHEVRON Federal Credit Union is a credit union, headquartered in Oakland, CA, serving borrowers across 36 states, with 519 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 26% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300VVH8HHFMWL8536
- **Headquarters:** Oakland, CA
- **Geographic Reach:** Near-National
- **States Served:** 36
- **State List:** AK, AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MS, NC, NE, NH, NM, NV, OH, OK, OR, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.6%
- **Brokered/Wholesale:** 0.4%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.063%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $738
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 519
- **Dollar Volume:** $262 million
- **Applications Received:** 715
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $505,135
- **Average Borrower Income:** $235,674

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Jumbo Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 65/100 | 447 | -0.044% | $781 | Strong 😀 |
| Jumbo | 75/100 | 72 | -0.177% | $476 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 415 loans, Score: 66/100 (Strong)
- Refinance: 32 loans, Score: 37/100 (Acceptable)

**Jumbo:**
- Purchase: 62 loans, Score: 76/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 477 | $239M | -0.073% | Strong 😀 |
| Refinance | 36/100 | 42 | $23M | +0.057% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 230 | 0.07% | 69/100 |
| CA | 108 | 0.04% | 60/100 |
| CO | 33 | 0.04% | 52/100 |
| LA | 26 | 0.07% | 51/100 |
| MS | 19 | 0.08% | 48/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 163 | 72/100 |
| Oakland | CA | 47 | 63/100 |
| Midland, TX | TX | 44 | 70/100 |
| Non |  | 34 | 36/100 |
| Denver | CO | 17 | 46/100 |
| Gulfport | MS | 15 | 49/100 |
| Slidell | LA | 11 | 46/100 |

## Frequently Asked Questions

### What loan types does CHEVRON Federal Credit Union offer?

CHEVRON Federal Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CHEVRON Federal Credit Union offer mortgages?

CHEVRON Federal Credit Union offers mortgages in 36 states: AK, AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MS, NC, NE, NH, NM, NV, OH, OK, OR, TN, TX, UT, VA, VT, WA, WI, WV, WY.

### How competitive are CHEVRON Federal Credit Union's mortgage rates?

CHEVRON Federal Credit Union has a pricing score of 74/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.063% below market average.

### What type of lender is CHEVRON Federal Credit Union?

CHEVRON Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Oakland, CA.

### What is CHEVRON Federal Credit Union's loan approval success rate?

CHEVRON Federal Credit Union has a pull-through score of 49/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/chevron-federal-credit-union

### How to Cite

> "CHEVRON Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/chevron-federal-credit-union

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