Valon Mortgage in Massachusetts vs the state
23.5%Denial rate+7.28 pts vs state
28.0%Decision denial rate+8.05 pts vs state
49.0%Origination rate-13.61 pts vs state
8.20%Median rate+1.57 pts vs state
1.99Rate spread (pts)+1.90 pts vs state
$107kMedian applicant income
73Loans originated
35Denied
What Valon Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Valon Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bristol County | 26 | 10 | 4 | 15.4% |
| Plymouth County | 20 | 11 | 5 | 25.0% |
| Essex County | 17 | 9 | 5 | 29.4% |
| Middlesex County | 17 | 10 | 5 | 29.4% |
| Norfolk County | 16 | 8 | 2 | 12.5% |
| Hampden County | 15 | 8 | 2 | 13.3% |
| Worcester County | 15 | 9 | 2 | 13.3% |
| Suffolk County | 10 | 3 | 4 | 40.0% |
| Barnstable County | 9 | 3 | 4 | 44.4% |
| Franklin County | 4 | 2 | 2 | 50.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 149 applications in 2025, of which 73 were originated and 35 denied.
23.5% of all applications, or 28.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Valon Mortgage originated in Massachusetts in 2025 was 8.20%, against a statewide median of 6.63%.
About this data. Figures are Valon Mortgage's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology