Bank Of Blue Valley Mortgage Rates, Fees & Info
Overland Park, KSLEI: 5493001BNJ1T5ZW02635
Tax ID: 48-0343180
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Mortgage Data
Bank Data
Review & Overview
Bank Of Blue Valley is a smaller bank specializing in Home Purchase loans. Bank Of Blue Valley has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Wichita, and Topeka among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Bank Of Blue Valley 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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 15 Year Conventional Purchase | 5.95% | 2/22/25 |
| 15 Year Conventional Refi | 5.96% | 2/22/25 |
| 15 Year Cash-out Refi | 5.96% | 2/22/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Bank Of Blue Valley Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
27Origination Dollar Volume (All Markets)
$11,345,000Employee count
109Top 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 |
|---|---|---|---|---|---|
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 19 | $11,055,000 | $581,842 | $0 | 0.00% |
| Outside of Metro Areas | 6 | $180,000 | $30,000 | $0 | 0.00% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 27 | $11,345,000 | $420,185 | $0 | 0.00% |
For 2019, Bank Of Blue Valley's most frequently originated type of loan was Conventional, with 27 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 14 | $9,880,000 | $705,714 | $0 | 0.00% |
| Refi | 10 | $1,190,000 | $119,000 | $0 | 0.00% |
| Home Improvement | 3 | $275,000 | $91,667 | $0 | 0.00% |
For 2019, Bank Of Blue Valley's most frequently cited loan purpose was Home Purchase, with 14 originations. The 2nd most popular reason was Refi, with 10 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 27 | $11,345,000 | $420,185 | $0 | 0.00% |
For 2019, Bank Of Blue Valley's most frequently cited loan duration was Other, with 27 originations.
Loan Sizing
2019 saw Bank Of Blue Valley place emphasis on $100,000 or less loans with 11 originations, totaling $505,000 in origination value.
Applicant Income
Bank Of Blue Valley lent most frequently to those with incomes in the $75k-100k range, with 3 originations. The second most popular income band? $100k-150k, with 2 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 27 | $11,345,000 | $420,185 | $0 | 0.00% |
Bank Of Blue Valley lent most frequently to those with DTI ratios of Exempt%, with 27 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.79%
Bank Of Blue Valley has an average approval rate.
Pick Rate
Approvals leading to origination33.33%
Bank Of Blue Valley has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 27 | $11,345,000 | $420,185 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 4 | $7,900,000 | $1,975,000 |
| Single Family (1-4 Units):Site-Built | 23 | $3,445,000 | $149,783 |
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| BANK OF THE WEST | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 7.1% |
| BANK OF THE WEST | Other type of mortgage | Trouble during payment process | 1 | 7.1% |
| BANK OF THE WEST | Other type of mortgage | Closing on a mortgage | 1 | 7.1% |
| BANK OF THE WEST | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 7.1% |
| BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Trouble during payment process | 2 | 14.3% |
| BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 7.1% |
| BANK OF THE WEST | Conventional home mortgage | Trouble during payment process | 6 | 42.9% |
| BANK OF THE WEST | Conventional home mortgage | Struggling to pay mortgage | 1 | 7.1% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Bank of Blue Valley | 10101 Woodland Drive Lenexa, KS 66220 | Full Service B&M | $73,333 |
| Bank of Blue Valley | 11935 Riley Street Overland Park, KS 66213 | Full Service B&M | $411,944 |
| Bank of Blue Valley | 1235 East Santa Fe Olathe, KS 66061 | Full Service B&M | $65,954 |
| Bank of Blue Valley | 13401 Mission Road Leawood, KS 66209 | Full Service B&M | $65,433 |
| Bank of Blue Valley | 1705 Roosevelt Drive Sabetha, KS 66534 | Full Service B&M | $3,897 |
| Bank of Blue Valley | 21 Main Sabetha, KS 66534 | Full Service B&M | $85,887 |
| Bank of Blue Valley | 2301 Burlington Street, Suite 100 North Kansas City, MO 64116 | Full Service B&M | $26,592 |
| Bank of Blue Valley | 5520 Hedge Lane Terrace Shawnee Mission, KS 66226 | Full Service B&M | $15,364 |
| Bank of Blue Valley | 6740 Antioch Road Merriam, KS 66204 | Full Service B&M | $113,238 |
| Bank of Blue Valley | 701 Lakewood Blvd. Lees Summit, MO 64064 | Full Service B&M | $37,231 |
| Bank of Blue Valley | 734 Commercial Street Atchison, KS 66002 | Full Service B&M | $40,859 |
| Bank of Blue Valley | 7th And Delaware Streets Hiawatha, KS 66434 | Full Service B&M | $86,876 |
| Bank of Blue Valley | 9500 Lackman Road Lenexa, KS 66219 | Full Service B&M | $50,575 |
For 2019, Bank Of Blue Valley had 13 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $45,162 |
| Net interest income | $37,988 |
| Total noninterest income | $5,180 |
| Gross Fiduciary activities income | $476 |
| Service charges on deposit accounts | $1,427 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $3,277 |
| Pre-tax net operating income | $12,765 |
| Securities gains (or losses, -) | $2,289 |
| Income before extraordinary items | $11,783 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $11,783 |
| Minority interest net income | $0 |
| Net income | $11,783 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $9,974 |
Bank Of Blue Valley's gross interest income from loans was $45,162,000.
Bank Of Blue Valley's net interest income from loans was $37,988,000.
Bank Of Blue Valley's fee based income from loans was $1,427,000.
Bank Of Blue Valley's net income from loans was $11,783,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $7,174 |
| Provision for credit losses | $735 |
| Total noninterest expense | $29,668 |
| Salaries and employee benefits | $10,173 |
| Premises and equipment expense | $2,482 |
| Additional noninterest expense | $17,013 |
| Applicable income taxes | $3,271 |
| Net charge-offs | $223 |
| Cash dividends | $11,000 |
Bank Of Blue Valley's interest expense for loans was $7,174,000.
Bank Of Blue Valley's payroll and benefits expense were $10,173,000.
Bank Of Blue Valley's property, plant and equipment expenses $2,482,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 1.0% |
| HELOC loans | 0.0% |
| All other family | 1.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 1.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $1,016,744 |
| Deposits held in domestic offices | $1,016,744 |
| Deposits by Individuals, partnerships, and corporations | $966,881 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $49,863 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $126,966 |
| Demand deposits | $85,059 |
| Nontransaction accounts | $889,778 |
| Money market deposit accounts (MMDAs) | $744,812 |
| Other savings deposits (excluding MMDAs) | $47,009 |
| Total time deposits | $97,957 |
| Total time and savings deposits | $931,685 |
| Noninterest-bearing deposits | $253,497 |
| Interest-bearing deposits | $763,247 |
| Retail deposits | $989,858 |
| IRAs and Keogh plan accounts | $23,087 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $1,314,529 |
| Cash & Balances due from depository institutions | $27,271 |
| Interest-bearing balances | $9,835 |
| Total securities | $363,836 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $829,508 |
| Loan and leases loss allowance | $5,047 |
| Trading account assets | $1,504 |
| Bank premises and fixed assets | $19,828 |
| Other real estate owned | $765 |
| Goodwill and other intangibles | $51,246 |
| All other assets | $20,571 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $1,314,529 |
| Total Liabilities | $1,123,365 |
| Total deposits | $1,016,744 |
| Interest-bearing deposits | $763,247 |
| Deposits held in domestic offices | $1,016,744 |
| % insured (estimated) | $60 |
| Federal funds purchased and repurchase agreements | $70,748 |
| Trading liabilities | $1,504 |
| Other borrowed funds | $22,529 |
| Subordinated debt | $0 |
| All other liabilities | $11,840 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $829,508 |
| Loan and leases loss allowance | $5,047 |
| Total loans and leases (domestic) | $834,555 |
| All real estate loans | $523,629 |
| Real estate loans in domestic offices | $523,629 |
| Construction and development loans | $116,657 |
| Residential 1-4 family construction | $45,464 |
| Other construction, all land development and other land | $71,193 |
| Loans secured by nonfarm nonresidential properties | $299,523 |
| Nonfarm nonresidential secured by owner-occupied properties | $151,376 |
| Commercial real estate & other non-farm, non-residential | $148,147 |
| Multifamily residential real estate | $5,977 |
| 1-4 family residential loans | $75,506 |
| Farmland loans | $25,966 |
| Loans held in foreign offices | $0 |
| Farm loans | $16,571 |
| Commercial and industrial loans | $213,486 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $20,585 |
| Credit card loans | $628 |
| Related Plans | $11,405 |
| Consumer Auto Loans | $4,488 |
| Other loans to individuals | $4,064 |
| All other loans & leases | $60,344 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $7,959 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $0 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
Bank of Blue Valley had $829,508,000 of loans outstanding in 2019. $523,629,000 of loans were in real estate loans. $116,657,000 of loans were in development loans. $5,977,000 of loans were in multifamily mortgage loans. $75,506,000 of loans were in 1-4 family mortgage loans. $16,571,000 of loans were in farm loans. $628,000 of loans were in credit card loans. $4,488,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 227 | $61,310 | $270,088 |
| Nonfarm, nonresidential loans - <$100k | 32 | $1,165 | $36,406 |
| Nonfarm, nonresidential loans - $100-250k | 64 | $7,339 | $114,672 |
| Nonfarm, nonresidential loans - $250k-1MM | 131 | $52,806 | $403,099 |
| Commercial & Industrial, US addressed loans - <$1MM | 753 | $58,535 | $77,736 |
| Commercial & Industrial, US addressed loans - <$100k | 420 | $8,554 | $20,367 |
| Commercial & Industrial, US addressed loans - $100-250k | 163 | $14,053 | $86,215 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 170 | $35,928 | $211,341 |
| Farmland loans - <$1MM | 122 | $12,751 | $104,516 |
| Farmland loans - <$100k | 46 | $1,302 | $28,304 |
| Farmland loans - $100-250k | 49 | $5,693 | $116,184 |
| Farmland loans - $250k-1MM | 27 | $5,756 | $213,185 |
| Agriculture operations loans - <$1MM | 186 | $10,168 | $54,667 |
| Agriculture operations loans - <$100k | 141 | $3,324 | $23,574 |
| Agriculture operations loans - $100-250k | 34 | $3,897 | $114,618 |
| Agriculture operations loans - $250k-1MM | 11 | $2,947 | $267,909 |