VALLEY FINANCIAL CREDIT UNION
VALLEY FINANCIAL CREDIT UNION received 365 applications in 2025 and made 280 mortgages, in 23 counties across 4 states. The median rate its borrowers got was 7.250% on a median loan of $85,000. Of 359 decisions, 78 were denials — 21.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300E57105E8PDY082 |
|---|---|
| Applications received | 365 |
| Mortgages made | 280 |
| Denied | 78 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 6 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.769 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 | 67 | 6.625% | $255,000 | 8.2% |
| Refinancing | 26 | 6.995% | $165,000 | 3.7% |
| Cash-out refinancing | 77 | 7.250% | $75,000 | 29.1% |
| Other purposes | 110 | 7.500% | $65,000 | 26.2% |
Where VALLEY FINANCIAL CREDIT UNION lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Yellowstone County, MT | 196 | 7.250% | 22.4% |
| Gallatin County, MT | 16 | 7.375% | 15.8% |
| Park County, WY | 15 | 7.500% | 21.1% |
| Stillwater County, MT | 14 | 7.500% | 12.5% |
| Musselshell County, MT | 10 | 7.370% | 37.5% |
| Carbon County, MT | 9 | Under 10 loans | 18.2% |
| Custer County, MT | 3 | Under 10 loans | 25.0% |
| Fergus County, MT | 2 | Under 10 loans | 0.0% |
| Rosebud County, MT | 2 | Under 10 loans | 0.0% |
| Sweet Grass County, MT | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Big Horn County, MT | 1 | Under 10 loans | 0.0% |
| Broadwater County, MT | 1 | Under 10 loans | 66.7% |
| Garfield County, MT | 1 | Under 10 loans | 0.0% |
| Golden Valley County, MT | 1 | Under 10 loans | 0.0% |
| Madison County, MT | 1 | Under 10 loans | 0.0% |
| Park County, MT | 1 | Under 10 loans | 0.0% |
| Prairie County, MT | 1 | Under 10 loans | 0.0% |
| Roosevelt County, MT | 1 | Under 10 loans | 0.0% |
| Treasure County, MT | 1 | Under 10 loans | 0.0% |
| Wheatland County, MT | 1 | Under 10 loans | 0.0% |
| Lake County, MT | 0 | Under 10 loans | 100.0% |
| Loudoun County, VA | 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.