Applications / Mortgage Analytics / Lenders / Montana / Valley Financial Credit Union / Competition
Valley Financial Credit Union
Billings, MT · Credit union · NCUA · $574 million assets · 280 loans in 2025
Valley Financial Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
280
loans originated, 2025
374
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Who Valley Financial Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — BILLINGS, MT, 2025
Valley Financial Credit Union ranks 11th of 201 lenders in Billings, MT, with $34.6M lent: 2.6% of a $1.35B market.
Billings, MT is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Valley Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 54% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — BOZEMAN, MT, 2025
Valley Financial Credit Union ranks 49th of 233 lenders in Bozeman, MT, with $7.6M lent: 0.4% of a $1.85B market.
Bozeman, MT is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Valley Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 50% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO MONTANA, 2025
Valley Financial Credit Union ranks 123rd of 372 lenders in non-metro Montana, with $3.8M lent: 0.1% of a $3.53B market.
non-metro Montana is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Valley Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO WYOMING, 2025
Valley Financial Credit Union ranks 93rd of 314 lenders in non-metro Wyoming, with $3.5M lent: 0.1% of a $2.53B market.
non-metro Wyoming is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Valley Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — HELENA, MT, 2025
Valley Financial Credit Union ranks 89th of 168 lenders in Helena, MT, with $785K lent: 0.1% of a $800.9M market.
Helena, MT is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Valley Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 58% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — PHOENIX-MESA-CHANDLER, AZ, 2025
Valley Financial Credit Union ranks 744th of 879 lenders in Phoenix-Mesa-Chandler, AZ, with $505K lent: 0.0% of a $50.70B market.
Phoenix-Mesa-Chandler, AZ is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Valley Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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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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