Valor Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A 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%
90th1.9% deniedProcesswithdrawn + incomplete share, weight 15%
27th17.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 433 | 367 | 2.1% | 2.2% | 7.25% | $104M |
| 2024 | 490 | 388 | 1.2% | 1.4% | — | $110M |
| 2025 | 514 | 389 | 1.6% | 1.9% | — | $125M |
What Valor Bank 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, 0 manufactured homes, 118 investment properties.
Who gets approved at Valor Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 18 | 9.1% |
| $50k – $100k | 104 | 77 | 1.2% |
| $100k – $150k | 83 | 58 | 0.0% |
| $150k – $250k | 128 | 102 | 0.0% |
| Over $250k | 86 | 66 | 2.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 134 | 99 | 0.9% |
| 35–44 | 142 | 112 | 0.9% |
| 45–54 | 90 | 62 | 3.0% |
| 55–64 | 31 | 25 | 0.0% |
| 65–74 | 21 | 19 | 0.0% |
Where Valor Bank lends
5 states and 27 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Valor Bank denied 1.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 90th percentile of small mortgage lenders.
In 2025, 80% of its applications were for home purchases, 18% for refinancing (including cash-out), and 2% for home improvement or other purposes. By loan type: 96% conventional, 2% FHA, 2% 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.