# VALLEY MORTGAGE, INC.

> **Canonical URL:** https://saferate.com/lenders/valley-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


VALLEY MORTGAGE, INC. is a independent mortgage company, headquartered in FARGO, ND, serving borrowers across 2 states, with 247 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 18% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 22% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300PLVU3OBFUIPI18
- **Headquarters:** FARGO, ND
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MN, ND
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.241%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,791
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 247
- **Dollar Volume:** $70 million
- **Applications Received:** 285
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $281,761
- **Average Borrower Income:** $113,478
- **Average Property Value:** $328,927

## Safe Rate Awards 🏆

- 💎 **FHA Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 185 | -0.239% | $1,976 | Strong 😀 |
| FHA | 66/100 | 44 | -0.101% | $1,200 | Strong 😀 |
| VA | 65/100 | 17 | -0.778% | $1,134 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 175 loans, Score: 63/100 (Strong)

**FHA:**
- Purchase: 44 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 237 | $67M | -0.240% | Strong 😀 |
| Refinance | 20/100 | 10 | $3M | -0.250% | Mediocre 😐 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ND | 177 | 2.42% | 81/100 |
| MN | 70 | 0.11% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fargo, ND | ND-MN | 211 | 95/100 |
| Non |  | 30 | 38/100 |

## Where This Lender Ranks

VALLEY MORTGAGE, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Fargo, ND Mortgage Companies
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Fargo, ND for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Fargo, ND for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in North Dakota Mortgage Companies
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in North Dakota for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in North Dakota for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Fargo, ND
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders)
- 🥈 **#2** in Fargo, ND for Conventional Loans
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Fargo, ND for FHA Loans
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Fargo, ND for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in North Dakota for FHA Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in North Dakota for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in North Dakota
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders)
- 🥉 **#3** in North Dakota for Conventional Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Fargo, ND for VA Loans
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/va-loans)
- 🏆 **#6** in North Dakota for VA Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does VALLEY MORTGAGE, INC. offer?

VALLEY MORTGAGE, INC. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does VALLEY MORTGAGE, INC. offer mortgages?

VALLEY MORTGAGE, INC. offers mortgages in 2 states: MN, ND.

### How competitive are VALLEY MORTGAGE, INC.'s mortgage rates?

VALLEY MORTGAGE, INC. has a pricing score of 82/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.241% below market average.

### What type of lender is VALLEY MORTGAGE, INC.?

VALLEY MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in FARGO, ND.

### What is VALLEY MORTGAGE, INC.'s loan approval success rate?

VALLEY MORTGAGE, INC. has a pull-through score of 78/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/valley-mortgage

### How to Cite

> "VALLEY MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/valley-mortgage

---

**[View Interactive Profile →](https://saferate.com/lenders/valley-mortgage)**