Applications / Mortgage Analytics / Lenders / California / Travis Credit Union
Vacaville, CA · Credit union · NCUA · $5.5 billion assets · 882 loans in 2025
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882
loans originated, 2025
1,112
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Travis Credit Union is a California credit union, ranked 8 of 363 in Vallejo, CA, whose dollar lending more than doubled in 2025 as jumbo loans (larger than the conforming limit) rose to 16.9% of its loans.
Its loans totalled $344.8 million, up from $151.8 million, while originations rose only 8%, from 817 to 882, the same as similar lenders (credit unions making between half and twice as many loans). Jumbo loans rose from 4.1% to 16.9%, against 0.9% at peers, and its typical loan from $95,000 to $155,000.
Refinances were 47.3% of its loans and home improvement 27.9%, with purchase loans only 18.9%. It turned down 3.1% of first-lien refinance applications on owner-occupied homes, against 20.5% at peers, among the lowest twentieth, and 3.9% of purchase applications, against 6.2%.
It ranked 8 of 363 in Vallejo, CA, where it has reported since 1991, and its share rose 0.2 points to 1.9%; United Wholesale Mortgage leads there. Its share also rose in Stockton-Lodi, CA and Merced, CA.
Majority-minority areas received 66.0% of its loans, against 10.2% at peers, higher than almost all of them, and LMI (low- and moderate-income) areas 18.9%, against 15.0%. All its lending is in California, in markets such as Vallejo, Sacramento and Stockton, and the make-up of those markets may account for much of this. Its share to LMI borrowers, 20.6%, is lower than peers' 28.0%, possibly reflecting its larger jumbo share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Travis Credit Union took 1,112 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 47.3% · Home improvement 27.9% · Purchase 18.9% · Other 5.9%
Conventional 97.3% · FHA 2.0% · VA 0.7% · of 882 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 |
|---|---|---|
| California | 882 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Vallejo | 342 |
| Oakland-Fremont-Berkeley | 196 |
| Sacramento-Roseville-Folsom | 112 |
| Merced | 47 |
| San Jose-Sunnyvale-Santa Clara | 45 |
| San Francisco-San Mateo-Redwood City | 37 |
| Napa | 24 |
| Stockton-Lodi | 19 |
| Modesto | 9 |
| Yuba City | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GAX7IKJUKCJE72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 212586 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568429 | 2000–2017 |
Established 1 January 1951. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Travis Credit Union's data.
Travis Credit Union's data
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