# Valley 1st Community FCU

> **Canonical URL:** https://saferate.com/lenders/valley-1st-community-fcu


> **📋 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


Valley 1st Community FCU is a credit union, headquartered in Monessen, PA, with 62 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 62% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900C93QPBEWPGBI16
- **Headquarters:** Monessen, PA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** PA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 62
- **Dollar Volume:** $5 million
- **Applications Received:** 63
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $81,774
- **Average Borrower Income:** $76,629

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 30/100 | 62 | - | - | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 49 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 17/100 | 13 | $2M | - | Mediocre 😐 |
| Refinance | 52/100 | 49 | $3M | - | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 62 | 0.05% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Pittsburgh, PA | PA | 62 | 73/100 |

## Where This Lender Ranks

Valley 1st Community FCU appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Pittsburgh, PA Credit Unions
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Pittsburgh, PA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does Valley 1st Community FCU offer?

Valley 1st Community FCU offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Valley 1st Community FCU offer mortgages?

Valley 1st Community FCU offers mortgages in 1 states: PA.

### What type of lender is Valley 1st Community FCU?

Valley 1st Community FCU is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Monessen, PA.

### What is Valley 1st Community FCU's loan approval success rate?

Valley 1st Community FCU has a pull-through score of 38/100 (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/valley-1st-community-fcu

### How to Cite

> "Valley 1st Community FCU Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/valley-1st-community-fcu

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**[View Interactive Profile →](https://saferate.com/lenders/valley-1st-community-fcu)**