Travis Credit Union mortgage approval rate & lending review
Travis Credit Union decided 2,459 mortgage applications and funded 1,841 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Travis Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Travis Credit Union at a glance
Approval is 8.3 points above the 69.0% 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 | 91% | 333 / 366 | 96% | $475K | 321 |
| Home improvement loans | 79% | 888 / 1,126 | 98% | $75K | 869 |
| Cash-out refinance | 69% | 494 / 720 | 96% | $105K | 476 |
| Refinance | 92% | 123 / 134 | 98% | $915K | 121 |
| Investment cash-out refinance | 37% | 13 / 35 | 85% | $225K | 11 |
| Investment home improvement | 55% | 24 / 44 | 83% | $95K | 20 |
Travis Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 77% | $105K | 2,459 | 1,841 |
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 Travis Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Solano County, CA | Home improvement loans | 82% | 533 | 429 |
| Solano County, CA | Cash-out refinance | 75% | 322 | 235 |
| Contra Costa County, CA | Home improvement loans | 75% | 225 | 166 |
| Solano County, CA | Mortgage lenders | 91% | 156 | 137 |
| Contra Costa County, CA | Cash-out refinance | 67% | 166 | 104 |
| Merced County, CA | Home improvement loans | 74% | 93 | 69 |
| Sacramento County, CA | Home improvement loans | 73% | 77 | 54 |
| Napa County, CA | Home improvement loans | 92% | 38 | 35 |
| Sacramento County, CA | Cash-out refinance | 62% | 56 | 34 |
| Merced County, CA | Cash-out refinance | 58% | 50 | 28 |
| Yolo County, CA | Home improvement loans | 83% | 35 | 28 |
| Solano County, CA | Refinance | 85% | 26 | 20 |
The county markets where Travis Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Travis Credit Union
What is Travis Credit Union's mortgage approval rate?
Travis Credit Union approved 77.3% of the 2,459 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.3 points above the 69.0% national rate for the same mix of loan types.
How often do borrowers take the loan Travis Credit Union offers?
Borrowers accepted 97% of the loans Travis Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Travis Credit Union make?
The typical home improvement loan loan Travis Credit Union made was $75K; across all loan types its typical loan ran from $75K to $915K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Travis Credit Union lend?
Travis Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Travis Credit Union directly?
Yes. Travis Credit Union is a bank or credit union with 25 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Travis 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 Travis Credit Union treats applications, then get a rate quote from the lender.