VALLEY STRONG CREDIT UNION
VALLEY STRONG CREDIT UNION received 2,293 applications in 2025 and made 1,204 mortgages, in 51 counties across 9 states. The median rate its borrowers got was 8.000% on a median loan of $75,000. Of 1,991 decisions, 503 were denials — 25.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493006MA7WP1WL8U431 |
|---|---|
| Applications received | 2,293 |
| Mortgages made | 1,204 |
| Denied | 503 |
| Approved, not taken up | 284 |
| Withdrawn or incomplete | 302 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.04 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 | 181 | 6.000% | $445,000 | 11.0% |
| Refinancing | 33 | 6.000% | $335,000 | 40.0% |
| Cash-out refinancing | 101 | 6.875% | $155,000 | 29.0% |
| Other purposes | 889 | 8.500% | $65,000 | 26.3% |
Where VALLEY STRONG CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kern County, CA | 824 | 8.000% | 24.4% |
| San Joaquin County, CA | 134 | 8.125% | 23.9% |
| Tulare County, CA | 92 | 8.225% | 28.9% |
| Solano County, CA | 49 | 8.750% | 25.8% |
| Sacramento County, CA | 12 | 8.100% | 10.5% |
| Fresno County, CA | 11 | 8.700% | 21.7% |
| Los Angeles County, CA | 11 | 6.500% | 7.7% |
| Orange County, CA | 11 | 6.375% | 20.0% |
| Calaveras County, CA | 10 | 8.575% | 9.1% |
| Kings County, CA | 5 | Under 10 loans | 50.0% |
| Stanislaus County, CA | 5 | Under 10 loans | 20.0% |
| Santa Clara County, CA | 4 | Under 10 loans | 0.0% |
| San Diego County, CA | 3 | Under 10 loans | 0.0% |
| San Francisco County, CA | 3 | Under 10 loans | 40.0% |
| Contra Costa County, CA | 2 | Under 10 loans | 66.7% |
| Madera County, CA | 2 | Under 10 loans | 25.0% |
| Marin County, CA | 2 | Under 10 loans | 20.0% |
| Napa County, CA | 2 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 2 | Under 10 loans | 57.1% |
| Ventura County, CA | 2 | Under 10 loans | 33.3% |
| Yolo County, CA | 2 | Under 10 loans | 0.0% |
| DuPage County, IL | 2 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 80.0% |
| Amador County, CA | 1 | Under 10 loans | 0.0% |
| Inyo County, CA | 1 | Under 10 loans | 0.0% |
| Merced County, CA | 1 | Under 10 loans | 0.0% |
| Placer County, CA | 1 | Under 10 loans | 66.7% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 1 | Under 10 loans | 0.0% |
| Douglas County, GA | 1 | Under 10 loans | 0.0% |
| Hamilton County, IN | 1 | Under 10 loans | 0.0% |
| Williamson County, TN | 1 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 1 | Under 10 loans | 0.0% |
| Parker County, TX | 1 | Under 10 loans | 0.0% |
| San Patricio County, TX | 1 | Under 10 loans | 0.0% |
| Travis County, TX | 1 | Under 10 loans | 0.0% |
| El Dorado County, CA | 0 | Under 10 loans | 100.0% |
| San Bernardino County, CA | 0 | Under 10 loans | 50.0% |
| San Mateo County, CA | 0 | Under 10 loans | 100.0% |
| Santa Cruz County, CA | 0 | Under 10 loans | 100.0% |
| Shasta County, CA | 0 | Under 10 loans | 100.0% |
| Sonoma County, CA | 0 | Under 10 loans | 50.0% |
| Tuolumne County, CA | 0 | Under 10 loans | 66.7% |
| Duval County, FL | 0 | Under 10 loans | 100.0% |
| Cook County, IL | 0 | Under 10 loans | 100.0% |
| Elkhart County, IN | 0 | Under 10 loans | 0.0% |
| Wayne County, MI | 0 | Under 10 loans | 100.0% |
| Montgomery County, OH | 0 | Under 10 loans | 100.0% |
| Brazos County, TX | 0 | Under 10 loans | 0.0% |
| Dallas County, TX | 0 | Under 10 loans | 100.0% |
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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.