VALOR BANK
VALOR BANK received 514 applications in 2025 and made 389 mortgages, in 27 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $265,000. Of 425 decisions, 8 were denials — 1.9%.
| Legal Entity Identifier | 5493004WQK3PHW1SDP63 |
|---|---|
| Applications received | 514 |
| Mortgages made | 389 |
| Denied | 8 |
| Approved, not taken up | 28 |
| Withdrawn or incomplete | 89 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: VALOR BANK, 1 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 317 | Not published | $275,000 | 0.9% |
| Refinancing | 55 | Not published | $195,000 | 4.8% |
| Cash-out refinancing | 10 | Not published | $215,000 | 15.4% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 0.0% |
Where VALOR BANK lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oklahoma County, OK | 279 | Not published | 1.6% |
| Canadian County, OK | 29 | Not published | 3.1% |
| Logan County, OK | 26 | Not published | 0.0% |
| Cleveland County, OK | 24 | Not published | 6.5% |
| Tulsa County, OK | 6 | Under 10 loans | 0.0% |
| Grady County, OK | 5 | Under 10 loans | 0.0% |
| McClain County, OK | 3 | Under 10 loans | 0.0% |
| Ellis County, KS | 2 | Under 10 loans | 0.0% |
| Payne County, OK | 2 | Under 10 loans | 0.0% |
| Pottawatomie County, OK | 2 | Under 10 loans | 0.0% |
| Chaffee County, CO | 1 | Under 10 loans | 0.0% |
| Pender County, NC | 1 | Under 10 loans | 0.0% |
| Kingfisher County, OK | 1 | Under 10 loans | 0.0% |
| Le Flore County, OK | 1 | Under 10 loans | 0.0% |
| Murray County, OK | 1 | Under 10 loans | 0.0% |
| Wagoner County, OK | 1 | Under 10 loans | 0.0% |
| Aransas County, TX | 1 | Under 10 loans | 0.0% |
| Bell County, TX | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Henderson County, TX | 1 | Under 10 loans | 0.0% |
| Comanche County, OK | 0 | Under 10 loans | Not published |
| Jackson County, OK | 0 | Under 10 loans | Not published |
| Lincoln County, OK | 0 | Under 10 loans | Not published |
| Woodward County, OK | 0 | Under 10 loans | Not published |
| Collin County, TX | 0 | Under 10 loans | Not published |
| El Paso County, TX | 0 | Under 10 loans | Not published |
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When VALOR BANK’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.