Lender report card · New Jersey

Low Va Rates, Llc

Lindon, UT · What the federal mortgage record shows about how Low Va Rates, Llc treated New Jersey applicants, 2018–2025 — 268 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
96.3%
258 approved
Denial rate
3.7%
10 denied
Decisions
268
2018–2025
Avg. rate spread
-0.21 pp
vs. market benchmark
96.3% approved
3.7% denied

Share of 268 New Jersey applications Low Va Rates, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

VA97.5% of 244 · NJ 80%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

82%86%90%94%98%88%95%98%98%86%20182019202020212022

Pricing

Adjusting for its loan-type mix, Low Va Rates, Llc’s rates ran -0.19 pp lower than the typical New Jersey lender (average rate spread -0.21 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Low Va Rates, Llc approves

By income
Under $50k97.9% · 236
By debt-to-income

Thin.

By down payment (LTV)
20%+ down98.2% · 5710–20% down100.0% · 515–10% down94.6% · 37Under 3% down97.8% · 46

Why Low Va Rates, Llc denied applications

Collateral (value/type)40% of denialsCredit history30% of denialsDebt-to-income ratio10% of denialsOther10% of denialsInsufficient cash to close10% of denialsEmployment history10% of denials

Where Low Va Rates, Llc lends in NJ

CountyDecisionsApproval
Ocean County44100.0%
Camden County3193.5%
Burlington County3196.8%
Gloucester County3096.7%

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Low Va Rates, Llc (LEI 5493004RCIKTZ2ZKII25). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →