Spring Valley Bank Mortgage Rates, Fees & Info
Wyoming, OHLEI: 254900G0ZC4S8EO1W523
Tax ID: 31-1524161
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Spring Valley Bank is a smaller bank specializing in Home Purchase loans. Spring Valley Bank has a high proportion of conventional loans. Their top markets by origination volume include: Cincinnati, Columbus, Dayton, and Wilmington among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Spring Valley Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
129Origination Dollar Volume (All Markets)
$33,245,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 122 | $30,100,000 | $246,721 | $0 | 0.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $2,165,000 | $2,165,000 | $0 | 0.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $0 | 0.00% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 129 | $33,245,000 | $257,713 | $0 | 0.00% |
For 2024, Spring Valley Bank's most frequently originated type of loan was Conventional, with 129 originations.
Loan Reason
For 2024, Spring Valley Bank's most frequently cited loan purpose was Home Purchase, with 114 originations. The 2nd most popular reason was Home Improvement, with 8 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 129 | $33,245,000 | $257,713 | $0 | 0.00% |
For 2024, Spring Valley Bank's most frequently cited loan duration was Other, with 129 originations.
Loan Sizing
2024 saw Spring Valley Bank place emphasis on $100k-200k loans with 67 originations, totaling $9,195,000 in origination value.
Applicant Income
Spring Valley Bank lent most frequently to those with incomes in the $250k+ range, with 12 originations. The second most popular income band? $150k-250k, with 6 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 129 | $33,245,000 | $257,713 | $0 | 0.00% |
Spring Valley Bank lent most frequently to those with DTI ratios of Exempt%, with 129 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.49%
Spring Valley Bank has a below average approval rate.
Pick Rate
Approvals leading to origination79.84%
Spring Valley Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 129 | $33,245,000 | $257,713 |