Valon Mortgage, Inc. mortgage approval rate & lending review
Valon Mortgage, Inc. decided 3,374 mortgage applications and funded 2,168 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Valon Mortgage, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to valon.com.
Valon Mortgage, Inc. at a glance
Approval is 7.0 points above the 67.4% 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 | 88% | 110 / 125 | 100% | $265K | 110 |
| Home improvement loans | 81% | 1,316 / 1,624 | 77% | $55K | 1,009 |
| Cash-out refinance | 64% | 531 / 832 | 98% | $215K | 521 |
| Refinance | 72% | 373 / 518 | 98% | $235K | 365 |
| Investment property purchase | 79% | 22 / 28 | 100% | $225K | 22 |
| Investment cash-out refinance | 56% | 53 / 94 | 100% | $165K | 53 |
| Investment refinance | 67% | 29 / 43 | 100% | $235K | 29 |
| Investment home improvement | 71% | 78 / 110 | 76% | $55K | 59 |
Valon Mortgage, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 75% | $55K | 457 | 272 |
| Florida | 70% | $55K | 365 | 222 |
| Texas | 70% | $235K | 264 | 169 |
| Michigan | 73% | $35K | 173 | 99 |
| Arizona | 75% | $265K | 154 | 98 |
| New Jersey | 68% | $65K | 130 | 76 |
| Ohio | 82% | $45K | 117 | 86 |
| Illinois | 75% | $55K | 114 | 67 |
| North Carolina | 77% | $55K | 111 | 73 |
| Georgia | 78% | $145K | 108 | 71 |
| Pennsylvania | 68% | $45K | 104 | 66 |
| Louisiana | 77% | $45K | 101 | 68 |
| Connecticut | 78% | $75K | 97 | 68 |
| Colorado | 78% | $365K | 94 | 65 |
| Indiana | 79% | $155K | 89 | 63 |
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.
Where Valon Mortgage, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Riverside County, CA | Home improvement loans | 77% | 30 | 14 |
| Palm Beach County, FL | Home improvement loans | 65% | 20 | 10 |
| Oakland County, MI | Home improvement loans | 75% | 20 | 9 |
The county markets where Valon Mortgage, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Valon Mortgage, Inc.
What is Valon Mortgage, Inc.'s mortgage approval rate?
Valon Mortgage, Inc. approved 74.5% of the 3,374 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.0 points above the 67.4% national rate for the same mix of loan types.
How often do borrowers take the loan Valon Mortgage, Inc. offers?
Borrowers accepted 86% of the loans Valon Mortgage, Inc. approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Valon Mortgage, Inc. make?
The typical home improvement loan loan Valon Mortgage, Inc. made was $55K; across all loan types its typical loan ran from $55K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Valon Mortgage, Inc. lend?
Valon Mortgage, Inc. decided applications in 49 of the states Fat Boy Data covers, most of them in California, Florida and Texas.
Can I apply to Valon Mortgage, Inc. directly?
Yes. Valon Mortgage, Inc. reports as a direct lender that takes applications from borrowers. Its website is valon.com.
Does this page show Valon 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 Valon Mortgage, Inc. treats applications, then get a rate quote from the lender.