Valley Mortgage, Inc. mortgage approval rate & lending review
Valley Mortgage, Inc. decided 508 mortgage applications and funded 496 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Valley Mortgage, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to valleymortgage.com.
Valley Mortgage, Inc. at a glance
Approval is 10.5 points above the 87.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 465 / 475 | 100% | $285K | 465 |
Valley Mortgage, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| North Dakota | 98% | $285K | 496 | 484 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Questions about Valley Mortgage, Inc.
What is Valley Mortgage, Inc.'s mortgage approval rate?
Valley Mortgage, Inc. approved 97.6% of the 508 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.5 points above the 87.1% national rate for the same mix of loan types.
How often do borrowers take the loan Valley Mortgage, Inc. offers?
Borrowers accepted 100% of the loans Valley Mortgage, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Valley Mortgage, Inc. make?
The typical home purchase mortgage loan Valley Mortgage, Inc. made was $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Valley Mortgage, Inc. lend?
Valley Mortgage, Inc. decided applications in 2 of the states Fat Boy Data covers, most of them in North Dakota and Minnesota.
Can I apply to Valley Mortgage, Inc. directly?
Yes. Valley Mortgage, Inc. reports as a direct lender that takes applications from borrowers. Its website is valleymortgage.com.
Does this page show Valley Mortgage, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Valley Mortgage, Inc. treats applications, then get a rate quote from the lender.