Looking for a different lender?
V
VALON MORTGAGE, INC.
Independent Mortgage Company|Phoenix, AZ|National
Loans Originated
389
Applications
652
Volume
$92 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
+0.149%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,278
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
59.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Report Card
VALON MORTGAGE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | National · 4 metro areas · 46 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$237,031
Average Borrower Income
$117,231
Average Property Value
$427,545
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Strong | Acceptable | 356 | 91.5% | +0.125% | $2,189 |
FHA Loans | Sound | Sound | Strong | Acceptable | 33 | 8.5% | +0.384% | $3,123 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Acceptable | Strong | Acceptable | 86 | 22.1% | +0.173% | $1,644 |
Refinance | Sound | Sound | Strong | Sound | 303 | 77.9% | +0.143% | $2,441 |
Geographic Coverage
Metro Areas
3
States Served
46
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNENHNJNMNYOHOKORPARISCTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Dallas, TXMSA
Volume: 15Mix: 3.86%
Place Specialization
Sound
2
Houston, TXMSA
Volume: 14Mix: 3.60%
Place Specialization
Sound
3
Phoenix, AZMSA
Volume: 11Mix: 2.83%
Place Specialization
Sound
Top States by Place Specialization Score
1
TXState
Volume: 55Mix: 14.14%
Place Specialization
Sound
2
CAState
Volume: 37Mix: 9.51%
Place Specialization
Sound
3
FLState
Volume: 39Mix: 10.03%
Place Specialization
Sound
4
OHState
Volume: 18Mix: 4.63%
Place Specialization
Sound
5
AZState
Volume: 16Mix: 4.11%
Place Specialization
Sound
6
INState
Volume: 15Mix: 3.86%
Place Specialization
Sound
7
MIState
Volume: 13Mix: 3.34%
Place Specialization
Sound
8
ILState
Volume: 13Mix: 3.34%
Place Specialization
Sound
9
TNState
Volume: 12Mix: 3.08%
Place Specialization
Sound
10
ALState
Volume: 10Mix: 2.57%
Place Specialization
Sound
Showing 10 of 14 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
Ready to Get Started?
Compare VALON MORTGAGE, INC. with other lenders or get personalized recommendations.