Valley 1St Community FCU mortgage approval rate & lending review
Valley 1St Community FCU decided 298 mortgage applications and funded 291 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Valley 1St Community FCU reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Valley 1St Community FCU at a glance
Approval is 19.6 points above the 78.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 88% | 37 / 42 | 100% | $115K | 37 |
| Refinance | 99% | 248 / 250 | 100% | $45K | 248 |
Valley 1St Community FCU lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 98% | $45K | 298 | 291 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Valley 1St Community FCU lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Westmoreland County, PA | Refinance | 98% | 118 | 116 |
| Washington County, PA | Refinance | 100% | 80 | 80 |
| Fayette County, PA | Refinance | 100% | 43 | 43 |
The county markets where Valley 1St Community FCU made the most loans. Each link opens that market with every lender ranked.
Questions about Valley 1St Community FCU
What is Valley 1St Community FCU's mortgage approval rate?
Valley 1St Community FCU approved 97.7% of the 298 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 19.6 points above the 78.1% national rate for the same mix of loan types.
How often do borrowers take the loan Valley 1St Community FCU offers?
Borrowers accepted 100% of the loans Valley 1St Community FCU approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Valley 1St Community FCU make?
The typical mortgage refinance loan Valley 1St Community FCU made was $45K; across all loan types its typical loan ran from $45K to $115K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Valley 1St Community FCU lend?
Valley 1St Community FCU decided applications in 1 of the states Fat Boy Data covers, most of them in Pennsylvania.
Can I apply to Valley 1St Community FCU directly?
Yes. Valley 1St Community FCU is a bank or credit union with 2 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Valley 1St Community FCU's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Valley 1St Community FCU treats applications, then get a rate quote from the lender.