Travis Credit Union in California vs the state
9.1%Denial rate-8.30 pts vs state
10.2%Decision denial rate-12.19 pts vs state
79.6%Origination rate+23.40 pts vs state
6.99%Median rate+0.37 pts vs state
0.29Rate spread (pts)+0.02 pts vs state
$155kMedian applicant income
882Loans originated
101Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,800 | 1,006 | 29.1% | 7.50% | #85 |
| 2024 | 1,427 | 817 | 26.6% | 8.00% | #121 |
| 2025 | 1,108 | 882 | 9.1% | 6.99% | #160 |
What Travis Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Travis Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Solano County | 434 | 342 | 44 | 10.1% |
| Contra Costa County | 200 | 150 | 21 | 10.5% |
| Sacramento County | 70 | 58 | 6 | 8.6% |
| Merced County | 62 | 47 | 7 | 11.3% |
| Alameda County | 56 | 46 | 1 | 1.8% |
| Santa Clara County | 49 | 44 | 0 | 0.0% |
| Yolo County | 38 | 34 | 2 | 5.3% |
| Napa County | 29 | 24 | 2 | 6.9% |
| San Francisco County | 26 | 25 | 0 | 0.0% |
| San Joaquin County | 22 | 19 | 1 | 4.5% |
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: 1,108 applications in 2025, of which 882 were originated and 101 denied.
9.1% of all applications, or 10.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Travis Credit Union originated in California in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Travis 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