Travis Credit Union Mortgage Rates, Fees & Info

Vacaville, CA

LEI: 549300GAX7IKJUKCJE72

Tax ID: 94-1242831

5 stars - Updated: 4/5/25 - out of 5 stars, based on 29 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Travis Credit Union is a smaller credit union specializing in Other and Home Purchase loans. Travis Credit Union has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Vallejo, San Francisco, Sacramento, Chico, and Napa among others. We have data for 22 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Travis Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Travis Credit Union is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 8.64% 4/5/25
    30 Year Conventional Purchase 6.87% 4/5/25
    30 Year Conventional Refi 6.49% 4/5/25
    30 Year Cash-out Refi 7.04% 4/5/25
    30 Year FHA Purchase 7.83% 4/5/25
    30 Year FHA Refi 6.72% 4/5/25
    30 Year VA Purchase 6.67% 4/5/25
    15 Year Conventional Purchase 6.38% 4/5/25
    15 Year Conventional Refi 6.30% 4/5/25
    15 Year Cash-out Refi 6.30% 4/5/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Travis Credit Union Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Travis Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    817

    Origination Dollar Volume (All Markets)

    $151,845,000

    Awards

    TRAVIS CREDIT UNION 30 Year Conventional Loans bronze
    Show all (1) awards

    Relative Rate

    Travis Credit Union's average 30 year fixed mortgage rate was 6.54%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of -0.01%.

    Relative Fees (Closing Costs)

    Travis Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $7,702.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    VALLEJO, CA (FHA|USDA|VA) 381 $54,355,000 $142,664 $2,001 8.19%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 176 $43,400,000 $246,591 $2,072 8.09%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 95 $14,225,000 $149,737 $1,977 8.13%
    CHICO, CA (FHA|USDA|VA) 6 $7,050,000 $1,175,000 $2,685 7.20%
    NAPA, CA (FHA|USDA|VA) 26 $5,140,000 $197,692 $3,608 8.02%
    MERCED, CA (FHA|USDA|VA) 56 $4,440,000 $79,286 $825 8.22%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 5 $4,405,000 $881,000 $5,541 7.10%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $3,175,000 $1,058,333 $2,721 7.07%
    YUBA CITY, CA (FHA|USDA|VA) 10 $2,870,000 $287,000 $3,596 6.81%
    Outside of Metro Areas 12 $2,480,000 $206,667 $493 7.72%
    MODESTO, CA (FHA|USDA|VA) 10 $1,930,000 $193,000 $1,625 7.89%
    STOCKTON, CA (FHA|USDA|VA) 17 $1,915,000 $112,647 $2,030 8.41%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 3 $1,545,000 $515,000 $2,401 8.21%
    MADERA, CA (FHA|USDA|VA) 2 $1,280,000 $640,000 $514 7.03%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $1,085,000 $361,667 $5,459 7.46%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $1,015,000 $338,333 $2,707 6.96%
    Clearlake, CA (FHA|USDA|VA) 3 $515,000 $171,667 $5,499 7.29%
    FRESNO, CA (FHA|USDA|VA) 1 $485,000 $485,000 $0 6.24%
    VISALIA, CA (FHA|USDA|VA) 2 $320,000 $160,000 $518 8.38%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $105,000 $105,000 $510 9.25%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.25%
    Sonora, CA (FHA|USDA|VA) 1 $55,000 $55,000 $514 8.75%
    Travis Credit Union's top markets include Vallejo, San Francisco, Sacramento, Chico, and Napa among others.

    Their top states include:
  • California (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against TRAVIS CREDIT UNION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    SAN FRANCISCO FEDERAL CREDIT UNION
    Similarity Rank: 336
    SACRAMENTO Credit Union
    Similarity Rank: 336
    Provident Savings Bank, F.S.B.
    Similarity Rank: 864
    Shea Mortgage Inc.
    Similarity Rank: 968
    San Mateo Credit Union
    Similarity Rank: 1386
    MERIWEST MORTGAGE COMPANY, LLC
    Similarity Rank: 1520
    Mechanics Bank
    Similarity Rank: 2117
    DIRECTIONS EQUITY, LLC
    Similarity Rank: 2200
    NATIONAL COOPERATIVE BANK, N.A.
    Similarity Rank: 2244
    UNCLE Credit Union
    Similarity Rank: 2451

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 528 $116,030,000 $219,754 $1,855 7.58%
    HELOC 281 $31,935,000 $113,648 n/a 9.14%
    FHA 5 $1,985,000 $397,000 $13,210 6.82%
    VA 3 $1,895,000 $631,667 $8,719 6.89%

    For 2024, Travis Credit Union's most frequently originated type of loan was Conventional, with 528 originations. Their 2nd most popular type was HELOC, with 281 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 307 $25,665,000 $83,599 $620 8.16%
    Other 298 $33,560,000 $112,617 $671 8.61%
    Cash Out Refi 98 $17,460,000 $178,163 $2,267 8.24%
    Home Purchase 91 $58,045,000 $637,857 $8,288 6.54%
    Refi 23 $17,115,000 $744,130 $4,093 6.40%

    For 2024, Travis Credit Union's most frequently cited loan purpose was Home Improvement, with 307 originations. The 2nd most popular reason was Other, with 298 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 344 $38,910,000 $113,110 $659 8.76%
    20 Year 225 $21,895,000 $97,311 $643 8.14%
    15 Year 120 $9,740,000 $81,167 $657 7.90%
    30 Year 98 $44,520,000 $454,286 $7,702 6.54%
    10 Year 28 $32,670,000 $1,166,786 $3,195 6.36%
    5 Year 2 $4,110,000 $2,055,000 $0 6.36%

    For 2024, Travis Credit Union's most frequently cited loan duration was Other, with 344 originations. The 2nd most popular length was 20 Year, with 225 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 396 $33,430,000 $84,419
    $1k-2k 49 $18,155,000 $370,510
    $5k+ 30 $13,610,000 $453,667
    $2k-3k 19 $8,335,000 $438,684
    $3k-4k 10 $5,040,000 $504,000
    $4k-5k 4 $1,390,000 $347,500

    Travis Credit Union's average total fees were $7,702, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 396 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 408 $41,040,000 $100,588
    7-8% 216 $24,280,000 $112,407
    6-7% 172 $72,840,000 $423,488
    5-6% 20 $13,230,000 $661,500
    4-5% 1 $455,000 $455,000

    During 2024, Travis Credit Union's average interest rate for loans was 6.54%, while their most frequently originated rate bucket for loans was Over 8%, with 408 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 421 $24,255,000 $57,613 $583 8.34%
    $100k-200k 213 $27,005,000 $126,784 $1,043 8.46%
    $200k-400k 100 $26,310,000 $263,100 $4,552 7.64%
    $400k-600k 44 $21,370,000 $485,682 $8,400 6.63%
    $1MM+ 21 $39,835,000 $1,896,905 $14,563 6.48%
    $600k-1MM 18 $13,070,000 $726,111 $8,335 6.56%

    2024 saw Travis Credit Union place emphasis on $100,000 or less loans with 421 originations, totaling $24,255,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 243 $35,435,000 $145,823 $1,792 8.28%
    $100k-150k 217 $28,715,000 $132,327 $2,115 8.02%
    $75k-100k 132 $13,210,000 $100,076 $1,669 8.05%
    $250k+ 99 $26,715,000 $269,848 $3,382 8.36%
    $50k-75k 85 $7,405,000 $87,118 $1,634 8.06%
    $50k or less 15 $1,095,000 $73,000 $1,818 8.49%

    Travis Credit Union lent most frequently to those with incomes in the $150k-250k range, with 243 originations. The second most popular income band? $100k-150k, with 217 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 153 $21,925,000 $143,301 $2,087 8.23%
    20-30% 146 $20,930,000 $143,356 $1,537 8.17%
    42% 91 $10,765,000 $118,297 $1,067 8.25%
    41% 64 $7,210,000 $112,656 $1,254 8.22%
    40% 53 $6,535,000 $123,302 $1,211 8.12%
    38% 41 $5,625,000 $137,195 $1,332 8.29%
    39% 41 $5,015,000 $122,317 $756 8.14%
    44% 36 $5,590,000 $155,278 $6,279 8.63%
    37% 36 $4,340,000 $120,556 $1,537 8.08%
    43% 35 $5,275,000 $150,714 $4,533 8.72%
    36% 33 $4,595,000 $139,242 $1,709 7.74%
    <20% 30 $4,020,000 $134,000 $1,838 7.88%
    46% 8 $2,990,000 $373,750 $8,893 6.90%
    49% 8 $2,470,000 $308,750 $5,427 7.55%
    48% 7 $1,905,000 $272,143 $5,724 6.59%
    47% 4 $1,730,000 $432,500 $10,668 6.69%
    45% 2 $1,180,000 $590,000 $11,851 7.11%
    50-60% 2 $1,000,000 $500,000 $11,800 6.84%

    Travis Credit Union lent most frequently to those with DTI ratios of 30-36%, with 153 originations. The next most common DTI ratio? 20-30%, with 146 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 300 $47,460,000 $158,200 $2,163 7.64%
    Not provided 354 $41,820,000 $118,136 $1,675 8.76%
    Not applicable 26 $39,270,000 $1,510,385 $0 6.41%
    Asian 63 $11,005,000 $174,683 $1,613 7.88%
    Black 48 $7,660,000 $159,583 $2,227 7.64%
    American Indian 14 $2,170,000 $155,000 $2,571 7.44%
    Native Hawaiian or Islander 5 $1,275,000 $255,000 $2,002 7.45%
    Other Pacific Islander 3 $775,000 $258,333 $2,462 7.91%
    Asian Indian 1 $155,000 $155,000 $514 8.50%
    Filipino 2 $150,000 $75,000 $494 8.50%
    Guamanian 1 $105,000 $105,000 $514 8.75%

    Approval Rates

    Total approvals of all applications
    74.50%

    Travis Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    74.17%

    Travis Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 817 $151,845,000 $185,857

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    817 $151,845,000 $185,857

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 128 $26,020,000 $203,281 $1,198 8.29%
    40-60% 40 $21,460,000 $536,500 $5,421 7.16%
    60-80% 39 $35,245,000 $903,718 $6,924 6.49%
    80-100% 44 $22,850,000 $519,318 $9,390 6.46%
    Under 20% 563 $43,165,000 $76,670 $603 8.38%