Valon Mortgage in Arizona vs the state
18.4%Denial rate+2.15 pts vs state
20.7%Decision denial rate+0.29 pts vs state
59.2%Origination rate-0.29 pts vs state
8.10%Median rate+1.60 pts vs state
1.90Rate spread (pts)+1.68 pts vs state
$98kMedian applicant income
190Loans originated
59Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 21 | 18 | 9.5% | 6.56% | #397 |
| 2025 | 321 | 190 | 18.4% | 8.10% | #141 |
What Valon Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Valon Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 193 | 117 | 40 | 20.7% |
| Pima County | 34 | 18 | 5 | 14.7% |
| Pinal County | 34 | 24 | 4 | 11.8% |
| Yavapai County | 15 | 9 | 2 | 13.3% |
| Coconino County | 11 | 6 | 2 | 18.2% |
| Mohave County | 9 | 6 | 1 | 11.1% |
| Yuma County | 8 | 3 | 2 | 25.0% |
| Navajo County | 5 | 2 | 0 | 0.0% |
| Cochise County | 4 | 1 | 1 | 25.0% |
| Apache County | 3 | 1 | 1 | 33.3% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 321 applications in 2025, of which 190 were originated and 59 denied.
18.4% of all applications, or 20.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Valon Mortgage originated in Arizona in 2025 was 8.10%, against a statewide median of 6.50%.
About this data. Figures are Valon Mortgage's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology