Lender profile · HMDA 2023–2025
Valley Strong Credit Union mortgage approval rates & lending data
Valley Strong Credit Union decided 2,517 mortgage applications and funded 1,607 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 422 / 467 | 95% | $435K | 401 |
| Home improvement loans | 67% | 892 / 1,326 | 88% | $55K | 781 |
| Cash-out refinance | 69% | 277 / 402 | 96% | $105K | 266 |
| Refinance | 48% | 38 / 79 | 84% | $385K | 32 |
| Investment property purchase | 83% | 59 / 71 | 93% | $245K | 55 |
| Investment home improvement | 52% | 66 / 127 | 70% | $75K | 46 |
Valley Strong Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 71% | $75K | 2,501 | 1,596 |
| Texas | 83% | $555K | 6 | 4 |
| Illinois | 50% | $175K | 4 | 2 |
| Arizona | 100% | $385K | 1 | 1 |
| Indiana | 100% | $475K | 1 | 1 |
| Nevada | 100% | $205K | 1 | 1 |
| New Mexico | 100% | $1.12M | 1 | 1 |
| Ohio | 0% | — | 1 | 0 |
| Tennessee | 100% | $485K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.