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 score and performance metrics.

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 an overall pricing score of 67.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Valley Financial Credit Union?

Valley Financial Credit Union is a Credit Union headquartered in Billings, MT.

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Valley Financial Credit Union

Credit Union•Billings, MTHQ•Direct•Reviews near you on Google

Valley Financial Credit Union has 103 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

Conventional

Place

Exceptional

5/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Offers rates 70.50 basis points below market average
Strong pull through performance

Explore another lender or local market

Report Card

Valley Financial Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 70.5 bps below market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

101 loans · 0.70% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

89 loans · 0.86% below market

Sound

Top 60% of lenders

3/5

Refinance

14 loans · 0.32% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Exceptional	101	98.1%	-0.702%Below	$3,286Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Exceptional

Volume101

Mix98.1%

Spread

-0.702%Below

Fees

$3,286Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Strong	89	86.4%	-0.860%Below	$3,595Fees
Refinance	Sound	Sound	—	Strong	14	13.6%	+0.315%Above	$1,959Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume89

Mix86.4%

Spread

-0.860%Below

Fees

$3,595Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Strong

Volume14

Mix13.6%

Spread

+0.315%Above

Fees

$1,959Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

103

Applications

116

Volume

$31 million

Pricing & Closing

Avg Rate Spread

-0.705%

vs. market APOR

Avg Net Fees

$3,379

Origination − Credits

Pullthrough Rate

88.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$308,981

Avg Borrower Income

$139,738

Avg Property Value

$420,146

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

West2

MTWY

Top Metro Areas by Place Specialization Score

Billings, MTMetro

Volume 85Mix 82.52% of portfolio

89/100

Exceptional

Top States by Place Specialization Score

MontanaState

Volume 100Mix 97.09% of portfolio

75/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.