Valon Mortgage, Inc.
4,388 mortgages originated in 2025 across 25 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,388
- Median rate
- 8.600%
- Median lender fees
- $4,008
- Median loan amount
- $65,000
- Median spread over APOR
- 2.410
- Paid discount points
- 10.9%
- Received lender credits
- 5.3%
- Purchases / refinances
- 2% / 20.2%
- Conventional / FHA / VA
- 96.6% / 3.4% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 22.1% of loans here — see methodology.
Where Valon Mortgage, Inc. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 533 | $3,465 | 8.450% |
| Florida | 421 | $5,290 | 8.700% |
| Michigan | 227 | — | 8.450% |
| Texas | 213 | $5,164 | 7.500% |
| Louisiana | 192 | — | 10.300% |
| Arizona | 190 | — | 8.100% |
| Missouri | 161 | — | 8.450% |
| Georgia | 156 | — | 8.350% |
| North Carolina | 154 | — | 9.550% |
| Illinois | 149 | — | 8.850% |
| Indiana | 143 | $4,042 | 9.450% |
| Ohio | 136 | — | 8.375% |
| Virginia | 136 | — | 8.000% |
| Colorado | 136 | — | 7.675% |
| New Jersey | 135 | — | 8.800% |
| Pennsylvania | 115 | — | 9.000% |
| Tennessee | 96 | — | 9.100% |
| Connecticut | 95 | — | 8.350% |
| Maryland | 90 | — | 8.150% |
| Oregon | 83 | — | 8.050% |
| Minnesota | 83 | — | 8.650% |
| Washington | 78 | — | 9.300% |
| Alabama | 73 | — | 8.400% |
| Massachusetts | 73 | — | 8.200% |
| South Carolina | 64 | — | 9.375% |