Valor Bank mortgage approval rate & lending review
Valor Bank decided 1,117 mortgage applications and funded 1,008 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Valor Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Valor Bank at a glance
Approval is 13.1 points above the 85.0% 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% | 607 / 617 | 92% | $305K | 558 |
| Refinance | 95% | 81 / 85 | 89% | $325K | 72 |
| Investment property purchase | 100% | 294 / 295 | 92% | $165K | 270 |
| Investment refinance | 97% | 72 / 74 | 97% | $135K | 70 |
Valor Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma | 98% | $305K | 1,097 | 991 |
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 Valor Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma County, OK | Mortgage lenders | 98% | 499 | 452 |
| Oklahoma County, OK | Investment property purchase | 100% | 252 | 231 |
| Oklahoma County, OK | Investment refinance | 97% | 67 | 64 |
| Oklahoma County, OK | Refinance | 96% | 74 | 62 |
| Canadian County, OK | Mortgage lenders | 100% | 64 | 61 |
| Cleveland County, OK | Investment property purchase | 100% | 21 | 18 |
The county markets where Valor Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Valor Bank
What is Valor Bank's mortgage approval rate?
Valor Bank approved 98.0% of the 1,117 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.1 points above the 85.0% national rate for the same mix of loan types.
How often do borrowers take the loan Valor Bank offers?
Borrowers accepted 92% of the loans Valor Bank 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 Valor Bank make?
The typical home purchase mortgage loan Valor Bank made was $305K; across all loan types its typical loan ran from $135K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Valor Bank lend?
Valor Bank decided applications in 8 of the states Fat Boy Data covers, most of them in Oklahoma, Texas and Arizona.
Can I apply to Valor Bank directly?
Yes. Valor Bank is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Valor Bank'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 Valor Bank treats applications, then get a rate quote from the lender.