Valley Mortgage has 247 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Exceptional
5/5
Regional · 1 mkts
Awards
FHA
Champion
Conventional
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 24.10 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
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Report Card
Valley Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 24.1 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Mediocre
Bottom 20% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 185 | 74.9% | -0.239%Below | $1,976Fees | ||||
FHA Loans | 44 | 17.8% | -0.101%Below | $1,200Fees | ||||
VA Loans | — | — | 17 | 6.9% | -0.778%Below | $1,134Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume185
Mix74.9%
Spread
-0.239%Below
Fees
$1,976Fees
FHA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume44
Mix17.8%
Spread
-0.101%Below
Fees
$1,200Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume17
Mix6.9%
Spread
-0.778%Below
Fees
$1,134Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 237 | 96.0% | -0.240%Below | $1,794Fees | ||||
Refinance | — | — | 10 | 4.0% | -0.250%Below | $1,736Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume237
Mix96.0%
Spread
-0.240%Below
Fees
$1,794Fees
Refinance
OverallMediocre
ProductMediocre
Pricing—
Pull Through—
Volume10
Mix4.0%
Spread
-0.250%Below
Fees
$1,736Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
247
Applications
285
Volume
$69 million
Pricing & Closing
Avg Rate Spread
-0.241%
vs. market APOR
Avg Net Fees
$1,791
Origination − Credits
Pullthrough Rate
86.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$281,761
Avg Borrower Income
$113,478
Avg Property Value
$328,927
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
2Midwest2
MNND
Top Metro Areas by Place Specialization Score
Volume 211Mix 85.43% of portfolio
95/100
ExceptionalTop States by Place Specialization Score
1
North DakotaState
Volume 177Mix 71.66% of portfolio
81/100
Exceptional2
MinnesotaState
Volume 70Mix 28.34% of portfolio
63/100
StrongHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.