Valon Mortgage in Florida vs the state
22.2%Denial rate+1.18 pts vs state
25.0%Decision denial rate-2.24 pts vs state
52.9%Origination rate+0.20 pts vs state
8.70%Median rate+2.07 pts vs state
2.41Rate spread (pts)+2.14 pts vs state
$105kMedian applicant income
421Loans originated
177Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 73 | 39 | 26.0% | 6.38% | #533 |
| 2025 | 796 | 421 | 22.2% | 8.70% | #180 |
What Valon Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Valon Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 66 | 26 | 25 | 37.9% |
| Hillsborough County | 61 | 34 | 15 | 24.6% |
| Orange County | 56 | 35 | 9 | 16.1% |
| Palm Beach County | 53 | 25 | 14 | 26.4% |
| Broward County | 52 | 31 | 6 | 11.5% |
| Pinellas County | 47 | 30 | 10 | 21.3% |
| Duval County | 33 | 9 | 9 | 27.3% |
| Volusia County | 32 | 18 | 7 | 21.9% |
| Pasco County | 29 | 15 | 8 | 27.6% |
| Polk County | 29 | 21 | 3 | 10.3% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 796 applications in 2025, of which 421 were originated and 177 denied.
22.2% of all applications, or 25.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Valon Mortgage originated in Florida in 2025 was 8.70%, against a statewide median of 6.63%.
About this data. Figures are Valon Mortgage's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology