Valley Strong Credit Union mortgage approval rate & lending review
Valley Strong Credit Union decided 2,517 mortgage applications and funded 1,607 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Valley Strong Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Valley Strong Credit Union at a glance
Approval is 1.8 points above the 69.0% 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 | 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 |
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 Strong Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kern County, CA | Home improvement loans | 68% | 953 | 575 |
| Kern County, CA | Mortgage lenders | 92% | 369 | 324 |
| Kern County, CA | Cash-out refinance | 71% | 311 | 212 |
| San Joaquin County, CA | Home improvement loans | 70% | 145 | 94 |
| Tulare County, CA | Home improvement loans | 61% | 105 | 51 |
| Kern County, CA | Investment property purchase | 83% | 41 | 32 |
| Solano County, CA | Home improvement loans | 68% | 57 | 32 |
| Kern County, CA | Investment home improvement | 45% | 83 | 27 |
| Kern County, CA | Refinance | 46% | 50 | 19 |
| San Joaquin County, CA | Cash-out refinance | 61% | 28 | 17 |
| Tulare County, CA | Cash-out refinance | 62% | 26 | 16 |
The county markets where Valley Strong Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Valley Strong Credit Union
What is Valley Strong Credit Union's mortgage approval rate?
Valley Strong Credit Union approved 70.8% of the 2,517 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.8 points above the 69.0% national rate for the same mix of loan types.
How often do borrowers take the loan Valley Strong Credit Union offers?
Borrowers accepted 90% of the loans Valley Strong 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 Strong Credit Union make?
The typical home improvement loan loan Valley Strong Credit Union made was $55K; across all loan types its typical loan ran from $55K to $435K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Valley Strong Credit Union lend?
Valley Strong Credit Union decided applications in 9 of the states Fat Boy Data covers, most of them in California, Texas and Illinois.
Can I apply to Valley Strong Credit Union directly?
Yes. Valley Strong Credit Union is a bank or credit union with 31 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Valley Strong 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 Strong Credit Union treats applications, then get a rate quote from the lender.