Valley Strong Credit Union in California vs the state
21.8%Denial rate+4.39 pts vs state
25.1%Decision denial rate+2.74 pts vs state
52.6%Origination rate-3.65 pts vs state
8.00%Median rate+1.38 pts vs state
-0.03Rate spread (pts)-0.30 pts vs state
$110kMedian applicant income
1,195Loans originated
496Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,286 | 648 | 28.4% | 7.00% | #113 |
| 2024 | 1,376 | 637 | 32.1% | 8.75% | #125 |
| 2025 | 2,274 | 1,195 | 21.8% | 8.00% | #93 |
What Valley Strong Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Valley Strong Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kern County | 1,549 | 824 | 327 | 21.1% |
| San Joaquin County | 237 | 134 | 50 | 21.1% |
| Tulare County | 190 | 92 | 48 | 25.3% |
| Solano County | 103 | 49 | 23 | 22.3% |
| Fresno County | 27 | 11 | 5 | 18.5% |
| Sacramento County | 20 | 12 | 2 | 10.0% |
| Los Angeles County | 17 | 11 | 1 | 5.9% |
| Orange County | 15 | 11 | 3 | 20.0% |
| Kings County | 14 | 5 | 6 | 42.9% |
| Calaveras County | 12 | 10 | 1 | 8.3% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 2,274 applications in 2025, of which 1,195 were originated and 496 denied.
21.8% of all applications, or 25.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Valley Strong Credit Union originated in California in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Valley Strong Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology