Lender in California · HMDA 2025
Valley Strong Credit Union mortgages in California
Valley Strong Credit Union's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Valley Strong Credit Union originated 225 owner-occupied single-family loans in California from 312 completed applications.
Its median conventional purchase loan costs were $5,370 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.375% (California: 6.625%).
Loans in CA
225
of 312 applications
Denial rate
8.4%
Purchase · CA 8.9%
Rate spread
−0.25 pts
Conv. · CA +0.09 pts
Loan amount
$445,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 179 | 155 | 8.4% | 6.375% | −0.25 pts | $5,370 | $445,000 |
| Refinance | 46 | 21 | 43.5% | — | −0.45 pts | $4,020 | $455,000 |
| Cash-out refinance | 87 | 49 | 39.1% | — | −0.39 pts | $3,220 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Valley Strong Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kern County | 12 | 167 | 1.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology