Applications / Mortgage Analytics / Lenders / California / Chevron Federal Credit Union
Concord, CA · Credit union · NCUA · $5.1 billion assets · 1,457 loans in 2025
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1,457
loans originated, 2025
2,187
applications, 2025
47
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Chevron Federal Credit Union is a nationwide lender of large loans, in 47 states with Texas its main state, and grew 28% in 2025, more than three times as fast as similar lenders.
Its typical loan was $305,000, against $110,000 at similar lenders (credit unions making between half and twice as many loans), larger than at nearly all of them. Jumbo loans (larger than the conforming limit) were 12.8% of its lending, against 1.1%. Home purchases were 48.0% of its loans and other purposes 39.0%.
Originations rose 28% to 1,457, against 8% at similar lenders and 10% for the whole market, and the amount it lent rose to $593.1 million from $355.1 million. It made 1,903 loans in 2020.
Its share rose 0.2 points to 0.4% in Houston-Pasadena-The Woodlands, ranking 48 of 929, and 0.3 points to 0.7% in Slidell-Mandeville-Covington. It ranked 51 of 606 in San Francisco-Oakland-Fremont, served since before 1990.
LMI (low- and moderate-income) borrowers took 6.4% of its loans, against 27.1% at peers, and LMI areas 7.5%, against 15.1%, among the lowest of similar lenders. Its larger loans and jumbo lending are possible reasons. Majority-minority areas took 33.3%, against 10.2%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Chevron Federal Credit Union took 2,187 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.0% · Other 39.0% · Refinance 7.7% · Home improvement 5.4%
Conventional 100.0% · of 1,457 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 529 | 36.3% |
| California | 513 | 35.2% |
| Louisiana | 62 | 4.3% |
| Colorado | 52 | 3.6% |
| Mississippi | 51 | 3.5% |
| Alabama | 25 | 1.7% |
| Florida | 25 | 1.7% |
| Utah | 24 | 1.6% |
| Arizona | 17 | 1.2% |
| Oregon | 13 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 450 |
| Oakland-Fremont-Berkeley | 268 |
| Los Angeles-Long Beach-Glendale | 49 |
| Gulfport-Biloxi | 42 |
| Slidell-Mandeville-Covington | 36 |
| Midland | 26 |
| Vallejo | 26 |
| Bakersfield-Delano | 23 |
| Sacramento-Roseville-Folsom | 23 |
| Riverside-San Bernardino-Ontario | 20 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VVH8HHFMWL8536 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 414894 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524326 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Chevron Federal Credit Union's data.
Chevron Federal Credit Union's data
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Chevron Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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