# VALLEY FINANCIAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/valley-financial-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 FINANCIAL CREDIT UNION is a credit union, headquartered in Billings, MT, serving borrowers across 2 states, with 103 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 32% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300E57105E8PDY082
- **Headquarters:** Billings, MT
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MT, WY
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.705%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,379
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 103
- **Dollar Volume:** $32 million
- **Applications Received:** 116
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $308,981
- **Average Borrower Income:** $139,738
- **Average Property Value:** $420,146

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 101 | -0.702% | $3,286 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 87 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 52/100 | 89 | $29M | -0.860% | Sound ☺️ |
| Refinance | 41/100 | 14 | $3M | +0.315% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MT | 100 | 0.96% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Billings, MT | MT | 85 | 89/100 |
| Non |  | 13 | 29/100 |

## Where This Lender Ranks

VALLEY FINANCIAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Montana Credit Unions
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Montana for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Billings, MT
  - [View Full Rankings](https://saferate.com/billings-mt/best-mortgage-lenders)
- 🥇 **#1** in Billings, MT for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/billings-mt/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Billings, MT for Conventional Loans
  - [View Full Rankings](https://saferate.com/billings-mt/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Montana
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders)
- 🏆 **#5** in Montana for Conventional Loans
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does VALLEY FINANCIAL CREDIT UNION offer?

VALLEY FINANCIAL 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 FINANCIAL CREDIT UNION offer mortgages?

VALLEY FINANCIAL CREDIT UNION offers mortgages in 2 states: MT, WY.

### How competitive are VALLEY FINANCIAL CREDIT UNION's mortgage rates?

VALLEY FINANCIAL CREDIT UNION has a pricing score of 68/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.705% below market average.

### What type of lender is VALLEY FINANCIAL CREDIT UNION?

VALLEY FINANCIAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Billings, MT.

### What is VALLEY FINANCIAL CREDIT UNION's loan approval success rate?

VALLEY FINANCIAL CREDIT UNION has a pull-through score of 64/100 (Strong). 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-financial-credit-union

### How to Cite

> "VALLEY FINANCIAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/valley-financial-credit-union

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