ValleyStar Credit Union
ValleyStar Credit Union received 254 applications in 2025 and made 102 mortgages, in 27 counties across 5 states. The median rate its borrowers got was 7.500% on a median loan of $65,000. Of 210 decisions, 108 were denials — 51.4%, most often for credit history.
| Legal Entity Identifier | 549300NTHJ0G5YXW3J85 |
|---|---|
| Applications received | 254 |
| Mortgages made | 102 |
| Denied | 108 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 44 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.24 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 | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 55.6% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 83 | 7.500% | $65,000 | 53.4% |
Where ValleyStar Credit Union lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Henry County, VA | 52 | 7.500% | 45.3% |
| Martinsville city, VA | 10 | 7.500% | 50.0% |
| Patrick County, VA | 9 | Under 10 loans | 50.0% |
| Danville city, VA | 8 | Under 10 loans | 27.3% |
| Pittsylvania County, VA | 6 | Under 10 loans | 62.5% |
| Franklin County, VA | 4 | Under 10 loans | 63.6% |
| Halifax County, VA | 2 | Under 10 loans | 60.0% |
| Roanoke city, VA | 2 | Under 10 loans | 50.0% |
| Waynesboro city, VA | 2 | Under 10 loans | 0.0% |
| New Hanover County, NC | 1 | Under 10 loans | 0.0% |
| Rockingham County, NC | 1 | Under 10 loans | 83.3% |
| Augusta County, VA | 1 | Under 10 loans | 66.7% |
| Bedford County, VA | 1 | Under 10 loans | 50.0% |
| Chesterfield County, VA | 1 | Under 10 loans | 0.0% |
| Henrico County, VA | 1 | Under 10 loans | 50.0% |
| Staunton city, VA | 1 | Under 10 loans | 0.0% |
| Jefferson County, AL | 0 | Under 10 loans | 100.0% |
| Palm Beach County, FL | 0 | Under 10 loans | Not published |
| Greene County, MO | 0 | Under 10 loans | 100.0% |
| Brunswick County, NC | 0 | Under 10 loans | 100.0% |
| Botetourt County, VA | 0 | Under 10 loans | 100.0% |
| Hanover County, VA | 0 | Under 10 loans | Not published |
| Roanoke County, VA | 0 | Under 10 loans | 100.0% |
| Westmoreland County, VA | 0 | Under 10 loans | 100.0% |
| Wythe County, VA | 0 | Under 10 loans | 100.0% |
| Lynchburg city, VA | 0 | Under 10 loans | 100.0% |
| Virginia Beach city, VA | 0 | Under 10 loans | 100.0% |
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When ValleyStar Credit Union’s figures are published for the next year, or restated.
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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.