Valon Mortgage in California vs the state
18.7%Denial rate+1.29 pts vs state
21.2%Decision denial rate-1.23 pts vs state
53.0%Origination rate-3.17 pts vs state
8.45%Median rate+1.82 pts vs state
2.19Rate spread (pts)+1.92 pts vs state
$120kMedian applicant income
533Loans originated
188Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 62 | 37 | 22.6% | 6.50% | #501 |
| 2025 | 1,005 | 533 | 18.7% | 8.45% | #171 |
What Valon Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Valon Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 189 | 82 | 52 | 27.5% |
| Riverside County | 87 | 36 | 22 | 25.3% |
| San Bernardino County | 75 | 34 | 21 | 28.0% |
| San Diego County | 71 | 46 | 9 | 12.7% |
| Sacramento County | 57 | 34 | 5 | 8.8% |
| Orange County | 49 | 24 | 6 | 12.2% |
| Contra Costa County | 38 | 22 | 8 | 21.1% |
| Fresno County | 38 | 31 | 4 | 10.5% |
| San Joaquin County | 36 | 20 | 6 | 16.7% |
| Placer County | 27 | 17 | 3 | 11.1% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 1,005 applications in 2025, of which 533 were originated and 188 denied.
18.7% of all applications, or 21.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Valon Mortgage originated in California in 2025 was 8.45%, against a statewide median of 6.63%.
About this data. Figures are Valon Mortgage's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology