Applications / Mortgage Analytics / Lenders / Arizona / Valon Mortgage
Phoenix, AZ · Non-bank or government lender · CFPB · 4,388 loans in 2025
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4,388
loans originated, 2025
7,850
applications, 2025
50
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Valon Mortgage, a national non-bank lender of small loans for purposes other than buying a home, grew by 994% in 2025, its second year of reporting.
Valon Mortgage first reported in 2024, with 401 loans. In 2025 it made 4,388, up 994%, faster than any similar lender (non-bank or government lenders making between half and twice as many loans); their typical growth was 29%. It now lends in all 50 states and 335 metro areas, most of all in California.
Purchases are only 2.0% of its loans. Nearly half, 48.8%, are for other purposes, and 29.0% are for home improvement. Its typical loan is $65,000, against $245,000 at similar lenders, so its $496.1 million in loans is lower than nearly all of theirs despite a larger count.
Its typical rate was 8.60%, higher than about four in five similar lenders, whose typical rate was 7.50%. Small loans for home improvement and other purposes often carry higher rates than first mortgages for buying a home, which may account for the difference.
Borrowers with low or moderate incomes took 28.6% of its loans, against 12.3% at similar lenders, more than about three in four of them. With only 17 similar lenders, the comparison is a rough guide. Its market shares are still tiny: 0.2% in Slidell-Mandeville-Covington, which it entered in 2025.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Valon Mortgage took 7,850 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 48.8% · Home improvement 29.0% · Refinance 20.2% · Purchase 2.0%
Conventional 96.6% · FHA 3.4% · of 4,388 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 533 | 12.1% |
| Florida | 421 | 9.6% |
| Michigan | 227 | 5.2% |
| Texas | 213 | 4.9% |
| Louisiana | 192 | 4.4% |
| Arizona | 190 | 4.3% |
| Missouri | 161 | 3.7% |
| Georgia | 156 | 3.6% |
| North Carolina | 154 | 3.5% |
| Illinois | 149 | 3.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 141 |
| Warren-Troy-Farmington Hills | 94 |
| Chicago-Naperville-Schaumburg | 92 |
| St. Louis | 89 |
| Los Angeles-Long Beach-Glendale | 82 |
| Kansas City | 80 |
| Denver-Aurora-Centennial | 77 |
| Baton Rouge | 75 |
| Orlando-Kissimmee-Sanford | 71 |
| Atlanta-Sandy Springs-Roswell | 70 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PQLK8E48ILXV41 | 2024–2025 |
Established 30 August 2019. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Valon Mortgage's data.
Valon Mortgage's data
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