Valley West Corporation
Valley West Corporation has 105 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
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 · VA
Place
Strong
4/5
Multi-Region · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
Summary
What They Do Well
- Offers rates 33.60 basis points below market average
- Lower than average lender fees
Things to Think About
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Valley West Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 33.6 bps below market avg
4/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
66 loans · 0.15% above market
Acceptable
Bottom 40% of lenders
2/5
FHA
20 loans · 0.21% above market
Sound
Top 60% of lenders
3/5
VA
18 loans · 0.73% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
75 loans · 0.17% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
30 loans · 0.40% below market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 1 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 66 | 62.9% | +0.146%Above | $2,260Fees | ||||
FHA Loans | 20 | 19.0% | +0.214%Above | $1,988Credit | ||||
VA Loans | 18 | 17.1% | -0.731%Below | $1,173Fees |
Conventional
OverallAcceptable
ProductAcceptable
PricingSound
Pull ThroughAcceptable
Volume66
Mix62.9%
Spread
+0.146%Above
Fees
$2,260Fees
FHA Loans
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume20
Mix19.0%
Spread
+0.214%Above
Fees
$1,988Credit
VA Loans
OverallSound
ProductSound
PricingStrong
Pull ThroughAcceptable
Volume18
Mix17.1%
Spread
-0.731%Below
Fees
$1,173Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 75 | 71.4% | +0.173%Above | $2,472Fees | ||||
Refinance | 30 | 28.6% | -0.403%Below | $17Credit |
Purchase
OverallAcceptable
ProductAcceptable
PricingSound
Pull ThroughAcceptable
Volume75
Mix71.4%
Spread
+0.173%Above
Fees
$2,472Fees
Refinance
OverallSound
ProductAcceptable
PricingExceptional
Pull ThroughAcceptable
Volume30
Mix28.6%
Spread
-0.403%Below
Fees
$17Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
105
Applications
225
Volume
$37 million
Pricing & Closing
Avg Rate Spread
-0.336%
vs. market APOR
Avg Net Fees
$272
Origination − Credits
Pullthrough Rate
46.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$359,762
Avg Borrower Income
$196,648
Avg Property Value
$477,095
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
16Full-year 2024 · HMDALoans originated
< 1010+None
South8
ALFLGANCOKTNTXVA
West8
AZCACONMNVORUTWA
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.