Valley West at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
41st11.9% deniedPricingmedian rate spread over APOR, weight 30%
88th-0.10 ptsProcesswithdrawn + incomplete share, weight 15%
2nd38.0%Closing coststotal loan costs ÷ loan amount, weight 10%
40th2.19% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 157 | 157 | 0.0% | 0.0% | 6.50% | $52M |
| 2024 | 1,219 | 485 | 7.1% | 9.0% | 6.00% | $204M |
| 2025 | 569 | 286 | 7.4% | 11.9% | 6.00% | $105M |
What Valley West lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 59 investment properties.
Why Valley West denies applications
Primary reason reported for each of the 42 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Valley West
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 63 | 36 | 5.1% |
| $100k – $150k | 96 | 44 | 20.7% |
| $150k – $250k | 75 | 41 | 5.9% |
| Over $250k | 46 | 26 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 24 | 15 | 0.0% |
| 25–34 | 148 | 65 | 11.3% |
| 35–44 | 153 | 70 | 16.3% |
| 45–54 | 112 | 56 | 16.2% |
| 55–64 | 74 | 46 | 5.8% |
| 65–74 | 37 | 23 | 7.1% |
| Over 74 | 21 | 11 | 8.3% |
Where Valley West lends
29 states and 227 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Nevada | 133 | 79 | 6.8% | 6.13% | #127 |
| Texas | 109 | 51 | 8.3% | 6.25% | #538 |
| Florida | 63 | 26 | 3.2% | 6.19% | #569 |
| Arizona | 33 | 19 | 6.1% | 5.99% | #365 |
| California | 25 | 11 | 16.0% | 5.63% | #612 |
| Maryland | 21 | 12 | 19.1% | 6.13% | #404 |
| North Carolina | 20 | 5 | 15.0% | 5.75% | #531 |
| Virginia | 20 | 10 | 10.0% | 5.56% | #486 |
| Georgia | 17 | 7 | 5.9% | 5.63% | #590 |
| New Jersey | 16 | 2 | 6.3% | 5.63% | #477 |
| New Mexico | 15 | 6 | 6.7% | 6.06% | #220 |
| Washington | 15 | 9 | 0.0% | 6.25% | #421 |
| Tennessee | 13 | 7 | 7.7% | 6.38% | #595 |
| Oregon | 11 | 6 | 18.2% | 6.00% | #357 |
| Pennsylvania | 9 | 4 | 0.0% | 5.50% | #699 |
| Utah | 9 | 7 | 0.0% | 5.75% | #300 |
| Michigan | 7 | 6 | 0.0% | 5.63% | #558 |
| Massachusetts | 6 | 4 | 0.0% | 5.44% | #513 |
| Alabama | 5 | 4 | 0.0% | 5.88% | #588 |
| Arkansas | 5 | 2 | 0.0% | 6.81% | #410 |
Frequently asked questions
Valley West denied 11.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 41st percentile of small mortgage lenders.
The most common reason Valley West gave in 2025 was "credit history", cited on 78.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Valley West originated in 2025 was 6.00%, and its median rate spread over the average prime offer rate was -0.10 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 37% of its applications were for home purchases, 63% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 40% conventional, 35% FHA, 25% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.