Travis Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
48th10.2% deniedPricingmedian rate spread over APOR, weight 30%
47th0.29 ptsProcesswithdrawn + incomplete share, weight 15%
52nd11.1%Closing coststotal loan costs ÷ loan amount, weight 10%
32nd2.40% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,925 | 1,008 | 28.1% | 31.8% | 7.50% | $164M |
| 2024 | 1,456 | 817 | 27.0% | 31.4% | 8.00% | $152M |
| 2025 | 1,112 | 882 | 9.1% | 10.2% | 6.99% | $345M |
What Travis Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 202 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 51 investment properties.
Why Travis Credit Union denies applications
Primary reason reported for each of the 101 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Travis Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 31 | 14 | 46.2% |
| $50k – $100k | 226 | 156 | 21.1% |
| $100k – $150k | 256 | 206 | 9.3% |
| $150k – $250k | 307 | 261 | 6.7% |
| Over $250k | 247 | 208 | 2.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 103 | 80 | 9.0% |
| 35–44 | 285 | 229 | 8.7% |
| 45–54 | 259 | 210 | 11.8% |
| 55–64 | 229 | 181 | 6.7% |
| 65–74 | 145 | 107 | 16.2% |
| Over 74 | 58 | 45 | 15.1% |
Where Travis Credit Union lends
2 states and 41 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 1,108 | 882 | 9.1% | 6.99% | #160 |
Frequently asked questions
Travis Credit Union denied 10.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 48th percentile of small mortgage lenders.
The most common reason Travis Credit Union gave in 2025 was "debt-to-income ratio", cited on 67.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Travis Credit Union originated in 2025 was 6.99%, and its median rate spread over the average prime offer rate was 0.29 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 18% of its applications were for home purchases, 42% for refinancing (including cash-out), and 40% for home improvement or other purposes. By loan type: 97% conventional, 2% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.