We analyzed every closed loan from CHEVRON Federal Credit Union — 519 loans across 715 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Near-National · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 6.30 basis points below market average
- Lower than average lender fees
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
CHEVRON Federal Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 6.3 bps below market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
447 loans · 0.04% below market
Strong
Top 40% of lenders
4/5
Jumbo
72 loans · 0.18% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
477 loans · 0.07% below market
Strong
Top 40% of lenders
4/5
Refinance
42 loans · 0.06% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Near-National · 7 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 447 | 86.1% | -0.044%Below | $781Fees | ||||
Jumbo Loans | 72 | 13.9% | -0.177%Below | $476Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume447
Mix86.1%
Spread
-0.044%Below
Fees
$781Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume72
Mix13.9%
Spread
-0.177%Below
Fees
$476Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 477 | 91.9% | -0.073%Below | $758Fees | ||||
Refinance | 42 | 8.1% | +0.057%Above | $492Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume477
Mix91.9%
Spread
-0.073%Below
Fees
$758Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingStrong
Pull ThroughAcceptable
Volume42
Mix8.1%
Spread
+0.057%Above
Fees
$492Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
519
Applications
715
Volume
$262 million
Pricing & Closing
Avg Rate Spread
-0.063%
vs. market APOR
Avg Net Fees
$738
Origination − Credits
Pullthrough Rate
72.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$505,135
Avg Borrower Income
$235,674
Avg Property Value
$751,378
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
36
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
36Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast4
MEMANHVT
Midwest7
IAILKSMINEOHWI
South14
ALARFLGAKYLAMDMSNCOKTNTXVAWV
West11
AKAZCACOIDNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
Are you the owner of CHEVRON Federal Credit Union?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.