# VALLEY STRONG CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/valley-strong-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 STRONG CREDIT UNION is a credit union, headquartered in Bakersfield, CA, serving borrowers across 3 states, with 143 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 16% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493006MA7WP1WL8U431
- **Headquarters:** Bakersfield, CA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** AZ, CA, TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

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

### Pricing Details
- **Average Rate Spread:** -0.774%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,896
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 143
- **Dollar Volume:** $72 million
- **Applications Received:** 246
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $500,105
- **Average Borrower Income:** $231,503

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 128 | -0.777% | $1,953 | Sound ☺️ |
| Jumbo | 69/100 | 15 | -0.736% | $1,098 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 105 loans, Score: 49/100 (Sound)
- Refinance: 23 loans, Score: 44/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 47/100 | 120 | $66M | -0.804% | Sound ☺️ |
| Refinance | 41/100 | 23 | $5M | -0.644% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 141 | 0.05% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Bakersfield | CA | 115 | 83/100 |

## Frequently Asked Questions

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

VALLEY STRONG CREDIT UNION offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does VALLEY STRONG CREDIT UNION offer mortgages?

VALLEY STRONG CREDIT UNION offers mortgages in 3 states: AZ, CA, TX.

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

VALLEY STRONG CREDIT UNION has a pricing score of 84/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.774% below market average.

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

VALLEY STRONG CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Bakersfield, CA.

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

VALLEY STRONG 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/valley-strong-credit-union

### How to Cite

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

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