Valley Mortgage Financial Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores Valley Mortgage Financial
Valley Mortgage Financial doesn't appear in public mortgage records under its own name, so it doesn't have an Overall Rating. We still score its pricing on the same measures we use for every lender, so you can compare it fairly against your other options.
- Price competitiveness
How often this lender's borrowers got an interest rate at or below the median rate for similar loans.
5 out of 5 - Amount of overpayment
How much more this lender's borrowers paid than the lowest-cost mortgage offer for a similar borrower and loan, almost always found exclusively through Bankrate's auction.
5 out of 5 - —Customer complaints
no CFPB complaint on record
Not rated - —Where and what they lend
10+ Bankrate customers in 1 state. No public lending data for this company, so this stays a comparison point for you rather than a star.
Not rated
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
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What Bankrate's editors think
Valley Mortgage Financial is a small, family-run shop that’s worked exclusively in Arizona since 2001, licensed only in that state.
Its pricing earns Valley Mortgage a 5-star rating: about 81% of its 2025 mortgages were priced below comparable loans, and its added costs are lower than nearly all comparable lenders and brokers. Separately, it has no CFPB origination-related complaints or enforcement actions.
The company’s own site is thin on detail, though. There’s no rate table and no named loan programs — just a short intake form asking about down payment size and credit profile — so borrowers who want specifics in writing before calling will need to call anyway.
Two-plus decades of Google reviews, mostly glowing, back up its local reputation, with a handful of older complaints describing slow follow-up.
At a glance
Good for Arizona borrowers looking for a small broker with a long track record and strong loan pricing. Not a good fit outside Arizona or if you want loan programs and rates spelled out on the website before you call.
What consumers say
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