Chevron Federal Credit Union mortgage approval rate & lending review
Chevron Federal Credit Union decided 2,906 mortgage applications and funded 2,469 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Chevron Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Chevron Federal Credit Union at a glance
Approval is 7.1 points above the 78.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 1,564 / 1,609 | 100% | $445K | 1,560 |
| Home improvement loans | 71% | 534 / 748 | 100% | $125K | 533 |
| Cash-out refinance | 58% | 87 / 150 | 97% | $205K | 84 |
| Refinance | 72% | 76 / 105 | 100% | $965K | 76 |
| Investment property purchase | 89% | 122 / 137 | 100% | $235K | 122 |
| Investment cash-out refinance | 62% | 16 / 26 | 100% | $145K | 16 |
| Investment home improvement | 62% | 71 / 115 | 99% | $155K | 70 |
Chevron Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 86% | $445K | 1,239 | 1,065 |
| California | 83% | $235K | 919 | 762 |
| Louisiana | 98% | $375K | 117 | 115 |
| Colorado | 94% | $505K | 102 | 96 |
| Mississippi | 94% | $265K | 69 | 65 |
| Alabama | 82% | $245K | 50 | 41 |
| Florida | 67% | $255K | 46 | 31 |
| Utah | 91% | $605K | 43 | 39 |
| Arizona | 68% | $695K | 31 | 21 |
| Ohio | 78% | $535K | 23 | 18 |
| Washington | 83% | $795K | 23 | 19 |
| Tennessee | 86% | $295K | 22 | 19 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Chevron Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Contra Costa County, CA | Home improvement loans | 78% | 133 | 104 |
| Midland County, TX | Mortgage lenders | 100% | 103 | 103 |
| Contra Costa County, CA | Mortgage lenders | 98% | 103 | 100 |
| St. Tammany Parish, LA | Mortgage lenders | 98% | 65 | 64 |
| Jackson County, MS | Mortgage lenders | 100% | 39 | 39 |
| Harris County, TX | Home improvement loans | 49% | 79 | 39 |
| Alameda County, CA | Home improvement loans | 81% | 37 | 30 |
| Solano County, CA | Home improvement loans | 94% | 32 | 30 |
| Kern County, CA | Home improvement loans | 70% | 37 | 26 |
| Fort Bend County, TX | Home improvement loans | 56% | 41 | 22 |
| Montgomery County, TX | Home improvement loans | 78% | 23 | 18 |
The county markets where Chevron Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Chevron Federal Credit Union
What is Chevron Federal Credit Union's mortgage approval rate?
Chevron Federal Credit Union approved 85.3% of the 2,906 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.1 points above the 78.2% national rate for the same mix of loan types.
How often do borrowers take the loan Chevron Federal Credit Union offers?
Borrowers accepted 100% of the loans Chevron Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Chevron Federal Credit Union make?
The typical home purchase mortgage loan Chevron Federal Credit Union made was $445K; across all loan types its typical loan ran from $125K to $965K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Chevron Federal Credit Union lend?
Chevron Federal Credit Union decided applications in 46 of the states Fat Boy Data covers, most of them in Texas, California and Louisiana.
Can I apply to Chevron Federal Credit Union directly?
Yes. Chevron Federal Credit Union is a bank or credit union with 21 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Chevron Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Chevron Federal Credit Union treats applications, then get a rate quote from the lender.