Valley Financial Credit Union mortgage approval rate & lending review
Valley Financial Credit Union decided 836 mortgage applications and funded 663 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Valley Financial Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Valley Financial Credit Union at a glance
Approval is 8.3 points above the 71.1% 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 | 92% | 151 / 164 | 100% | $275K | 151 |
| Home improvement loans | 80% | 230 / 289 | 100% | $55K | 230 |
| Cash-out refinance | 67% | 186 / 276 | 99% | $65K | 185 |
| Refinance | 84% | 27 / 32 | 100% | $85K | 27 |
| Investment cash-out refinance | 90% | 26 / 29 | 100% | $155K | 26 |
Valley Financial Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Montana | 79% | $65K | 834 | 661 |
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 Financial Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Yellowstone County, MT | Home improvement loans | 79% | 267 | 212 |
| Yellowstone County, MT | Cash-out refinance | 66% | 256 | 168 |
| Yellowstone County, MT | Mortgage lenders | 92% | 156 | 143 |
| Yellowstone County, MT | Refinance | 83% | 29 | 24 |
| Yellowstone County, MT | Investment property purchase | 100% | 20 | 20 |
| Gallatin County, MT | Home improvement loans | 82% | 22 | 18 |
| Gallatin County, MT | Cash-out refinance | 85% | 20 | 17 |
The county markets where Valley Financial Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Valley Financial Credit Union
What is Valley Financial Credit Union's mortgage approval rate?
Valley Financial Credit Union approved 79.4% of the 836 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.3 points above the 71.1% national rate for the same mix of loan types.
How often do borrowers take the loan Valley Financial Credit Union offers?
Borrowers accepted 100% of the loans Valley Financial Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Valley Financial Credit Union make?
The typical home improvement loan loan Valley Financial Credit Union made was $55K; across all loan types its typical loan ran from $55K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Valley Financial Credit Union lend?
Valley Financial Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Montana and Arizona.
Can I apply to Valley Financial Credit Union directly?
Yes. Valley Financial Credit Union is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Valley Financial Credit Union'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 Financial Credit Union treats applications, then get a rate quote from the lender.