Applications / Mortgage Analytics / Lenders / Virginia / ValleyStar Credit Union
Martinsville, VA · Credit union · NCUA · $540 million assets · 102 loans in 2025
ValleyStar Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
102
loans originated, 2025
254
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ValleyStar Credit Union is mainly a home-improvement lender in southern Virginia, and its mortgage lending has shrunk every year since 2021.
Home improvement made up 67.6% of its loans in 2025; purchases were just 6.9%. Such loans are small, and its typical loan was $65,000, against $100,000 at similar lenders (credit unions making between half and twice as many loans).
It made 102 loans, down 28% from 142, while similar lenders grew 8% and the whole market 10%. Its growth was lower than about nineteen in twenty peers. Its loans peaked at 323 in 2021. Fewer refinancings may explain part of the fall since: refinances are now 11.8% of its loans.
Borrowers of low and moderate income (LMI) took 49.0% of its loans, against 29.9% at similar lenders, a higher share than more than nine in ten. Its share in LMI neighborhoods, 32.4%, was nearly double the peer figure of 17.2%.
Its typical rate was 7.50%, against 6.75% at similar lenders, higher than about four in five. Home-improvement loans usually carry higher rates than first mortgages, which may account for the gap. None of its loans counted as higher-priced (a rate well above the average for similar loans), against 3.3% at peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. ValleyStar Credit Union took 254 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 67.6% · Other 13.7% · Refinance 11.8% · Purchase 6.9%
Conventional 100.0% · of 102 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 |
|---|---|---|
| Virginia | 100 | 98.0% |
| North Carolina | 2 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Roanoke | 6 |
| Staunton-Stuarts Draft | 4 |
| Richmond | 2 |
| Greensboro-High Point | 1 |
| Lynchburg | 1 |
| Wilmington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NTHJ0G5YXW3J85 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 939191 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566924 | 2006–2017 |
Established 1 January 1953. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: ValleyStar Credit Union's data.
ValleyStar Credit Union's data
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ValleyStar 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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