Valley Communities Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
19th20.4% deniedPricingmedian rate spread over APOR, weight 30%
88th-0.11 ptsProcesswithdrawn + incomplete share, weight 15%
60th9.5%Closing coststotal loan costs ÷ loan amount, weight 10%
81st1.12% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 189 | 152 | 9.5% | 10.6% | 6.50% | $15M |
| 2024 | 235 | 170 | 14.9% | 17.1% | 6.52% | $19M |
| 2025 | 304 | 219 | 18.4% | 20.4% | 6.08% | $30M |
What Valley Communities Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 7 investment properties.
Why Valley Communities Credit Union denies applications
Primary reason reported for each of the 56 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Valley Communities Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 38 | 18 | 50.0% |
| $50k – $100k | 107 | 81 | 19.0% |
| $100k – $150k | 93 | 70 | 11.4% |
| $150k – $250k | 44 | 32 | 20.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 41 | 26 | 31.6% |
| 35–44 | 73 | 56 | 15.2% |
| 45–54 | 80 | 57 | 21.9% |
| 55–64 | 65 | 47 | 14.6% |
| 65–74 | 26 | 20 | 20.0% |
Where Valley Communities Credit Union lends
1 states and 15 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Wisconsin | 304 | 219 | 18.4% | 6.08% | #117 |
Frequently asked questions
Valley Communities Credit Union denied 20.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 19th percentile of small mortgage lenders.
The most common reason Valley Communities Credit Union gave in 2025 was "debt-to-income ratio", cited on 51.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Valley Communities Credit Union originated in 2025 was 6.08%, and its median rate spread over the average prime offer rate was -0.11 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 24% of its applications were for home purchases, 46% for refinancing (including cash-out), and 30% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.