Valon Mortgage in Alabama vs the state
21.9%Denial rate+2.05 pts vs state
25.9%Decision denial rate+0.86 pts vs state
53.3%Origination rate-2.11 pts vs state
8.40%Median rate+1.90 pts vs state
2.08Rate spread (pts)+1.79 pts vs state
$90kMedian applicant income
73Loans originated
30Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 16 | 10 | 25.0% | 6.69% | #405 |
| 2025 | 137 | 73 | 21.9% | 8.40% | #193 |
What Valon Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Valon Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mobile County | 23 | 11 | 8 | 34.8% |
| Baldwin County | 16 | 10 | 2 | 12.5% |
| Jefferson County | 15 | 5 | 2 | 13.3% |
| Limestone County | 7 | 5 | 0 | 0.0% |
| Tuscaloosa County | 7 | 4 | 1 | 14.3% |
| Elmore County | 6 | 4 | 1 | 16.7% |
| Madison County | 6 | 5 | 1 | 16.7% |
| Colbert County | 5 | 2 | 1 | 20.0% |
| St. Clair County | 5 | 3 | 0 | 0.0% |
| Chilton County | 5 | 4 | 1 | 20.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 137 applications in 2025, of which 73 were originated and 30 denied.
21.9% of all applications, or 25.9% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Valon Mortgage originated in Alabama in 2025 was 8.40%, against a statewide median of 6.50%.
About this data. Figures are Valon Mortgage's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology