Valon Mortgage in New York vs the state
42.9%Denial rate+23.11 pts vs state
42.9%Decision denial rate+18.82 pts vs state
57.1%Origination rate-2.45 pts vs state
3.18%Median rate-3.45 pts vs state
-3.10Rate spread (pts)-3.31 pts vs state
$67kMedian applicant income
4Loans originated
3Denied
What Valon Mortgage lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Valon Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 2 | 2 | 0 | 0.0% |
| Erie County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 0 | 1 | 100.0% |
| Westchester County | 1 | 0 | 1 | 100.0% |
| Warren County | 1 | 0 | 1 | 100.0% |
| Broome County | 1 | 1 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 7 applications in 2025, of which 4 were originated and 3 denied.
42.9% of all applications, or 42.9% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Valon Mortgage originated in New York in 2025 was 3.18%, against a statewide median of 6.63%.
About this data. Figures are Valon Mortgage's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology