CHEVRON Federal Credit Union in California vs the state
16.2%Denial rate-1.19 pts vs state
18.7%Decision denial rate-3.72 pts vs state
70.0%Origination rate+13.79 pts vs state
7.50%Median rate+0.88 pts vs state
0.78Rate spread (pts)+0.51 pts vs state
$207kMedian applicant income
513Loans originated
119Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 644 | 398 | 19.9% | 8.25% | #190 |
| 2024 | 615 | 406 | 17.9% | 8.50% | #221 |
| 2025 | 733 | 513 | 16.2% | 7.50% | #201 |
What CHEVRON Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most CHEVRON Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Contra Costa County | 264 | 194 | 38 | 14.4% |
| Alameda County | 99 | 74 | 9 | 9.1% |
| Los Angeles County | 68 | 49 | 13 | 19.1% |
| Solano County | 37 | 26 | 4 | 10.8% |
| Kern County | 36 | 23 | 9 | 25.0% |
| Orange County | 24 | 18 | 4 | 16.7% |
| San Joaquin County | 21 | 18 | 3 | 14.3% |
| Riverside County | 21 | 14 | 5 | 23.8% |
| Sacramento County | 19 | 11 | 4 | 21.1% |
| Marin County | 16 | 11 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 733 applications in 2025, of which 513 were originated and 119 denied.
16.2% of all applications, or 18.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans CHEVRON Federal Credit Union originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are CHEVRON Federal Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology