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Valon Mortgage

Independent Mortgage Company•Phoenix, AZHQ•Direct•Reviews near you on Google

Valon Mortgage has 389 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Sound
3/5
FHA · Conventional
Place
Sound
3/5
National · 3 mkts

Safe Rate 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

Explore another lender or local market

Report Card

Valon Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+14.9 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
National · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Acceptable
Volume356
Mix91.5%
Spread
+0.125%Above
Fees
$2,189Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Acceptable
Volume33
Mix8.5%
Spread
+0.384%Above
Fees
$3,123Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Acceptable
Volume86
Mix22.1%
Spread
+0.173%Above
Fees
$1,644Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume303
Mix77.9%
Spread
+0.143%Above
Fees
$2,441Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
389
Applications
652
Volume
$92 million
Pricing & Closing
Avg Rate Spread
+0.149%
vs. market APOR
Avg Net Fees
$2,278
Origination − Credits
Pullthrough Rate
59.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$237,031
Avg Borrower Income
$117,231
Avg Property Value
$427,545

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
46
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

46
46 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast8
CTMEMANHNJNYPARI
Midwest10
IAILINKSMIMNMONEOHWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West11
AKAZCACOIDMTNMORUTWAWY

Top Metro Areas by Place Specialization Score

1© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 15Mix 3.86% of portfolio
44/100
Sound
2© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 14Mix 3.60% of portfolio
43/100
Sound
3© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 11Mix 2.83% of portfolio
41/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 55Mix 14.14% of portfolio
53/100
Sound
California
California
2
CaliforniaState
Volume 37Mix 9.51% of portfolio
49/100
Sound
Florida
Florida
3
FloridaState
Volume 39Mix 10.03% of portfolio
49/100
Sound
Ohio
Ohio
4
OhioState
Volume 18Mix 4.63% of portfolio
44/100
Sound
Arizona
Arizona
5
ArizonaState
Volume 16Mix 4.11% of portfolio
44/100
Sound
Indiana
Indiana
6
IndianaState
Volume 15Mix 3.86% of portfolio
43/100
Sound
Michigan
Michigan
7
MichiganState
Volume 13Mix 3.34% of portfolio
42/100
Sound
Illinois
Illinois
8
IllinoisState
Volume 13Mix 3.34% of portfolio
41/100
Sound
Tennessee
Tennessee
9
TennesseeState
Volume 12Mix 3.08% of portfolio
41/100
Sound
Alabama
Alabama
10
AlabamaState
Volume 10Mix 2.57% of portfolio
40/100
Sound
Showing 10 of 14 states

How 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.