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 score and performance metrics.

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 an overall pricing score of 83.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Valley Strong Credit Union?

Valley Strong Credit Union is a Credit Union headquartered in Bakersfield, CA.

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Valley Strong Credit Union

Credit Union•Bakersfield, CAHQ•Direct•Reviews near you on Google

Valley Strong Credit Union has 143 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

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

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 77.40 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

Valley Strong Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 77.4 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

128 loans · 0.78% below market

Sound

Top 60% of lenders

3/5

Jumbo

15 loans · 0.74% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

120 loans · 0.80% below market

Sound

Top 60% of lenders

3/5

Refinance

23 loans · 0.64% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Exceptional

Top 20% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Sound	128	89.5%	-0.777%Below	$1,953Fees
Jumbo Loans	Strong	Strong	—	Strong	15	10.5%	-0.736%Below	$1,098Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume128

Mix89.5%

Spread

-0.777%Below

Fees

$1,953Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume15

Mix10.5%

Spread

-0.736%Below

Fees

$1,098Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Sound	120	83.9%	-0.804%Below	$2,161Fees
Refinance	Sound	Sound	Exceptional	Acceptable	23	16.1%	-0.644%Below	$719Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume120

Mix83.9%

Spread

-0.804%Below

Fees

$2,161Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Acceptable

Volume23

Mix16.1%

Spread

-0.644%Below

Fees

$719Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

143

Applications

246

Volume

$71 million

Pricing & Closing

Avg Rate Spread

-0.774%

vs. market APOR

Avg Net Fees

$1,896

Origination − Credits

Pullthrough Rate

58.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$500,105

Avg Borrower Income

$231,503

Avg Property Value

$654,930

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

3Full-year 2024 · HMDA

Loans originated

< 100100+None

South1

West2

AZCA

Top Metro Areas by Place Specialization Score

Bakersfield, CAMetro

Volume 115Mix 80.42% of portfolio

83/100

Exceptional

Top States by Place Specialization Score

CaliforniaState

Volume 141Mix 98.60% of portfolio

67/100

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.