Valley Communities Credit Union
Valley Communities Credit Union received 304 applications in 2025 and made 219 mortgages, in 15 counties across 1 state. The median rate its borrowers got was 6.075% on a median loan of $115,000. Of 275 decisions, 56 were denials — 20.4%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900XLI9RP3F9A2J72 |
|---|---|
| Applications received | 304 |
| Mortgages made | 219 |
| Denied | 56 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 29 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.11 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 40 | 5.675% | $215,000 | 23.1% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Cash-out refinancing | 99 | 6.075% | $145,000 | 23.3% |
| Other purposes | 79 | 6.340% | $55,000 | 13.2% |
Where Valley Communities Credit Union lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wood County, WI | 77 | 6.090% | 21.4% |
| Marathon County, WI | 72 | 6.213% | 20.0% |
| Portage County, WI | 43 | 5.990% | 18.9% |
| Clark County, WI | 15 | 5.940% | 6.3% |
| Adams County, WI | 3 | Under 10 loans | 25.0% |
| Chippewa County, WI | 1 | Under 10 loans | 0.0% |
| Juneau County, WI | 1 | Under 10 loans | 0.0% |
| Langlade County, WI | 1 | Under 10 loans | 0.0% |
| Lincoln County, WI | 1 | Under 10 loans | 0.0% |
| Pierce County, WI | 1 | Under 10 loans | 0.0% |
| Price County, WI | 1 | Under 10 loans | 0.0% |
| Taylor County, WI | 1 | Under 10 loans | 0.0% |
| Waupaca County, WI | 1 | Under 10 loans | 0.0% |
| Waushara County, WI | 1 | Under 10 loans | 75.0% |
| Oneida County, WI | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.