# Rock Valley Credit Union

> **Canonical URL:** https://saferate.com/lenders/rock-valley-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Rock Valley Credit Union is a credit union, headquartered in Loves Park, IL, with 63 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 76% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900XIJWVBUNAUBG18
- **Headquarters:** Loves Park, IL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** IL
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 63
- **Dollar Volume:** $8 million
- **Applications Received:** 138
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $127,063
- **Average Borrower Income:** $96,762
- **Average Property Value:** $210,484

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 63 | - | - | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 32 loans, Score: 33/100 (Acceptable)
- Refinance: 31 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 32 | $5M | - | Acceptable 🙂 |
| Refinance | 52/100 | 31 | $3M | - | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 62 | 0.05% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Rockford, IL | IL | 54 | 76/100 |

## Where This Lender Ranks

Rock Valley Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Rockford, IL Credit Unions
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/credit-unions)
- 🏆 **#8** in Rockford, IL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does Rock Valley Credit Union offer?

Rock Valley Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Rock Valley Credit Union offer mortgages?

Rock Valley Credit Union offers mortgages in 1 states: IL.

### What type of lender is Rock Valley Credit Union?

Rock Valley Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Loves Park, IL.

### What is Rock Valley Credit Union's loan approval success rate?

Rock Valley Credit Union has a pull-through score of 24/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/rock-valley-credit-union

### How to Cite

> "Rock Valley Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/rock-valley-credit-union

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