Valon Mortgage in New Jersey vs the state
22.8%Denial rate+5.14 pts vs state
27.0%Decision denial rate+3.99 pts vs state
48.9%Origination rate-6.77 pts vs state
8.80%Median rate+2.05 pts vs state
2.61Rate spread (pts)+2.33 pts vs state
$130kMedian applicant income
135Loans originated
63Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 15 | 9 | 20.0% | 6.13% | #486 |
| 2025 | 276 | 135 | 22.8% | 8.80% | #168 |
What Valon Mortgage lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Valon Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burlington County | 34 | 17 | 6 | 17.6% |
| Middlesex County | 26 | 10 | 8 | 30.8% |
| Monmouth County | 24 | 14 | 6 | 25.0% |
| Morris County | 21 | 11 | 3 | 14.3% |
| Bergen County | 21 | 6 | 8 | 38.1% |
| Ocean County | 20 | 10 | 5 | 25.0% |
| Gloucester County | 19 | 12 | 3 | 15.8% |
| Essex County | 14 | 5 | 6 | 42.9% |
| Atlantic County | 14 | 3 | 4 | 28.6% |
| Camden County | 13 | 5 | 3 | 23.1% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 276 applications in 2025, of which 135 were originated and 63 denied.
22.8% of all applications, or 27.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Valon Mortgage originated in New Jersey in 2025 was 8.80%, against a statewide median of 6.75%.
About this data. Figures are Valon Mortgage's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology