Valon Mortgage has 389 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
Place
Sound
3/5
National · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Competitive pricing compared to the market
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Valon Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+14.9 bps above market avg
4/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
356 loans · 0.13% above market
Sound
Top 60% of lenders
3/5
FHA
33 loans · 0.38% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
86 loans · 0.17% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
303 loans · 0.14% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
National · 4 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 356 | 91.5% | +0.125%Above | $2,189Fees | ||||
FHA Loans | 33 | 8.5% | +0.384%Above | $3,123Fees |
Conventional
OverallSound
ProductSound
PricingStrong
Pull ThroughAcceptable
Volume356
Mix91.5%
Spread
+0.125%Above
Fees
$2,189Fees
FHA Loans
OverallSound
ProductSound
PricingStrong
Pull ThroughAcceptable
Volume33
Mix8.5%
Spread
+0.384%Above
Fees
$3,123Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 86 | 22.1% | +0.173%Above | $1,644Fees | ||||
Refinance | 303 | 77.9% | +0.143%Above | $2,441Fees |
Purchase
OverallSound
ProductAcceptable
PricingStrong
Pull ThroughAcceptable
Volume86
Mix22.1%
Spread
+0.173%Above
Fees
$1,644Fees
Refinance
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume303
Mix77.9%
Spread
+0.143%Above
Fees
$2,441Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
389
Applications
652
Volume
$92 million
Pricing & Closing
Avg Rate Spread
+0.149%
vs. market APOR
Avg Net Fees
$2,278
Origination − Credits
Pullthrough Rate
59.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$237,031
Avg Borrower Income
$117,231
Avg Property Value
$427,545
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
46
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
46Full-year 2024 · HMDALoans originated
< 1010–2020+None
Northeast8
CTMEMANHNJNYPARI
Midwest10
IAILINKSMIMNMONEOHWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West11
AKAZCACOIDMTNMORUTWAWY
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
Showing 10 of 14 states
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.