VALLEY MORTGAGE, INC.
VALLEY MORTGAGE, INC. received 277 applications in 2025 and made 243 mortgages, in 24 counties across 2 states. The median rate its borrowers got was 6.250% on a median loan of $285,000. Of 249 decisions, 6 were denials — 2.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300PLVU3OBFUIPI18 |
|---|---|
| Applications received | 277 |
| Mortgages made | 243 |
| Denied | 6 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 28 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.005 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 222 | 6.375% | $285,000 | 2.2% |
| Refinancing | 21 | 5.990% | $285,000 | 4.6% |
Where VALLEY MORTGAGE, INC. lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cass County, ND | 155 | 6.200% | 3.1% |
| Clay County, MN | 45 | 6.375% | 0.0% |
| Becker County, MN | 7 | Under 10 loans | 0.0% |
| Richland County, ND | 4 | Under 10 loans | 0.0% |
| Hennepin County, MN | 3 | Under 10 loans | 0.0% |
| Norman County, MN | 3 | Under 10 loans | 0.0% |
| Wilkin County, MN | 3 | Under 10 loans | 0.0% |
| Traill County, ND | 3 | Under 10 loans | 25.0% |
| Douglas County, MN | 2 | Under 10 loans | 0.0% |
| Marshall County, MN | 2 | Under 10 loans | 0.0% |
| Barnes County, ND | 2 | Under 10 loans | 0.0% |
| Grand Forks County, ND | 2 | Under 10 loans | 0.0% |
| Pembina County, ND | 2 | Under 10 loans | 0.0% |
| Carver County, MN | 1 | Under 10 loans | 0.0% |
| Dakota County, MN | 1 | Under 10 loans | 0.0% |
| Otter Tail County, MN | 1 | Under 10 loans | 0.0% |
| Polk County, MN | 1 | Under 10 loans | 0.0% |
| Roseau County, MN | 1 | Under 10 loans | 0.0% |
| Steele County, MN | 1 | Under 10 loans | 0.0% |
| Burleigh County, ND | 1 | Under 10 loans | 0.0% |
| Cavalier County, ND | 1 | Under 10 loans | 0.0% |
| Griggs County, ND | 1 | Under 10 loans | 0.0% |
| Ransom County, ND | 1 | Under 10 loans | 0.0% |
| Olmsted County, MN | 0 | Under 10 loans | Not published |
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When VALLEY MORTGAGE, INC.’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.