# VALON MORTGAGE, INC.

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


VALON MORTGAGE, INC. is a independent mortgage company, headquartered in Phoenix, AZ, serving borrowers nationwide, with 389 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 26% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 61% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300PQLK8E48ILXV41
- **Headquarters:** Phoenix, AZ
- **Geographic Reach:** National
- **States Served:** 46
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.149%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,278
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 389
- **Dollar Volume:** $92 million
- **Applications Received:** 652
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $237,031
- **Average Borrower Income:** $117,231
- **Average Property Value:** $427,545

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 356 | +0.125% | $2,189 | Sound ☺️ |
| FHA | 40/100 | 33 | +0.384% | $3,123 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 84 loans, Score: 31/100 (Acceptable)
- Refinance: 272 loans, Score: 59/100 (Sound)

**FHA:**
- Refinance: 31 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 31/100 | 86 | $24M | +0.173% | Acceptable 🙂 |
| Refinance | 56/100 | 303 | $68M | +0.143% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 55 | 0.02% | 53/100 |
| FL | 39 | 0.01% | 49/100 |
| CA | 37 | 0.01% | 49/100 |
| OH | 18 | 0.01% | 44/100 |
| AZ | 16 | 0.02% | 44/100 |
| IN | 15 | 0.02% | 43/100 |
| IL | 13 | 0.01% | 41/100 |
| MI | 13 | 0.01% | 42/100 |
| NC | 12 | 0.01% | 39/100 |
| TN | 12 | 0.01% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 48 | 44/100 |
| Dallas | TX | 15 | 44/100 |
| Houston | TX | 14 | 43/100 |
| Phoenix | AZ | 11 | 41/100 |

## Frequently Asked Questions

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

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

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

VALON MORTGAGE, INC. is a national lender offering mortgages in all 50 states plus Washington D.C.

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

VALON MORTGAGE, INC. has a pricing score of 74/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.149% above market average.

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

VALON MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Phoenix, AZ.

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

VALON MORTGAGE, INC. has a pull-through score of 39/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/valon-mortgage

### How to Cite

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

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