Lender profile · HMDA 2023–2025
Valor Bank mortgage approval rates & lending data
Valor Bank decided 1,117 mortgage applications and funded 1,008 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Texas | 100% | $515K | 12 | 12 |
| Arizona | 100% | $195K | 2 | 1 |
| Florida | 100% | — | 2 | 0 |
| Arkansas | 100% | $285K | 1 | 1 |
| California | 100% | $725K | 1 | 1 |
| Iowa | 100% | $505K | 1 | 1 |
| Wisconsin | 100% | $355K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.