# Valley Communities Credit Union

> **Canonical URL:** https://saferate.com/lenders/valley-communities-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


Valley Communities Credit Union is a credit union, headquartered in Mosinee, WI, with 103 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900XLI9RP3F9A2J72
- **Headquarters:** Mosinee, WI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)


### Lending Volume
- **Total Loans:** 103
- **Dollar Volume:** $14 million
- **Applications Received:** 145
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $136,359
- **Average Borrower Income:** $97,408
- **Average Property Value:** $221,699

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 47/100 | 103 | - | - | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 28 loans, Score: 20/100 (Acceptable)
- Refinance: 75 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 21/100 | 28 | $5M | - | Acceptable 🙂 |
| Refinance | 66/100 | 75 | $9M | - | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 103 | 0.16% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 71 | 57/100 |
| Wausau, WI | WI | 31 | 65/100 |

## Where This Lender Ranks

Valley Communities Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Wausau, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wausau-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#18** in Wausau, WI
  - [View Full Rankings](https://saferate.com/wausau-wi/best-mortgage-lenders)

## Frequently Asked Questions

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

Valley Communities 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 Valley Communities Credit Union offer mortgages?

Valley Communities Credit Union offers mortgages in 1 states: WI.

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

Valley Communities Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Mosinee, WI.

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

Valley Communities Credit Union has a pull-through score of 55/100 (Sound). 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-communities-credit-union

### How to Cite

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

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