ValleyStar Credit Union in Virginia vs the state
41.7%Denial rate+25.73 pts vs state
50.0%Decision denial rate+29.75 pts vs state
41.7%Origination rate-17.85 pts vs state
7.50%Median rate+0.88 pts vs state
0.24Rate spread (pts)+0.02 pts vs state
$54kMedian applicant income
100Loans originated
100Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 294 | 156 | 31.0% | 7.25% | #147 |
| 2024 | 273 | 137 | 33.0% | 7.00% | #170 |
| 2025 | 240 | 100 | 41.7% | 7.50% | #191 |
What ValleyStar Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most ValleyStar Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Henry County | 113 | 52 | 43 | 38.1% |
| Martinsville city | 26 | 10 | 10 | 38.5% |
| Patrick County | 21 | 9 | 9 | 42.9% |
| Pittsylvania County | 19 | 6 | 10 | 52.6% |
| Danville city | 13 | 8 | 3 | 23.1% |
| Franklin County | 11 | 4 | 7 | 63.6% |
| Halifax County | 9 | 2 | 3 | 33.3% |
| Roanoke County | 5 | 0 | 4 | 80.0% |
| Roanoke city | 5 | 2 | 2 | 40.0% |
| Augusta County | 3 | 1 | 2 | 66.7% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 240 applications in 2025, of which 100 were originated and 100 denied.
41.7% of all applications, or 50.0% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans ValleyStar Credit Union originated in Virginia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are ValleyStar Credit Union's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology