Applications / Mortgage Analytics / Lenders / California / Valley Strong Credit Union
Bakersfield, CA · Credit union · NCUA · $4.0 billion assets · 1,204 loans in 2025
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1,204
loans originated, 2025
2,293
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Valley Strong Credit Union is a Bakersfield credit union focused on home improvement and other-purpose loans whose originations rose 88% in 2025, faster than nearly all similar credit unions.
Originations rose 88% to 1,204, from 639, against 8% for similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. That returns it close to the 1,352 loans of 2020. In Bakersfield its share rose 0.7 points to 2.9%, where it ranked 6 of 407 lenders.
Loans for other purposes were 41.9% of its lending and home improvement 31.9%; home purchases were 15.0% and refinances 11.1%. Its typical loan, $75,000 against $105,000, was smaller than at more than nine in ten peers. Its typical rate, 8.00% against 7.00%, was higher than at nearly all of them, which this mix of smaller loans may explain.
Majority-minority areas took 66.8% of its loans, against 10.2% at peers, higher than at nearly all of them, and LMI (low- and moderate-income) areas 19.6%, against 15.0%. LMI borrowers took 18.8%, against 27.7%; the make-up of its California markets is one possible reason for both.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Valley Strong Credit Union took 2,293 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 41.9% · Home improvement 31.9% · Purchase 15.0% · Refinance 11.1%
Conventional 100.0% · of 1,204 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 1,195 | 99.3% |
| Texas | 4 | 0.3% |
| Illinois | 2 | 0.2% |
| Georgia | 1 | 0.1% |
| Indiana | 1 | 0.1% |
| Tennessee | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bakersfield-Delano | 824 |
| Stockton-Lodi | 134 |
| Visalia | 92 |
| Vallejo | 49 |
| Sacramento-Roseville-Folsom | 15 |
| Fresno | 13 |
| Anaheim-Santa Ana-Irvine | 11 |
| Los Angeles-Long Beach-Glendale | 11 |
| Hanford-Corcoran | 5 |
| Modesto | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006MA7WP1WL8U431 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 511579 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53804 | 1990–2017 |
Established 1 January 1940. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Valley Strong Credit Union's data.
Valley Strong Credit Union's data
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Valley Strong Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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