Bank Of Blue Valley Mortgage Rates, Fees & Info
Overland Park, KSLEI: 5493001BNJ1T5ZW02635
Tax ID: 48-0343180
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Bank Data
Review & Overview
Bank Of Blue Valley is a smaller bank specializing in Refi and Home Purchase loans. Bank Of Blue Valley has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Warrensburg, St. Joseph, Lawrence, and Ottawa among others. We have data for 10 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.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 15 Year Conventional Purchase | 5.95% | 3/24/24 |
| 15 Year Conventional Refi | 5.96% | 3/24/24 |
| 15 Year Cash-out Refi | 5.96% | 3/24/24 |
| 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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Originations
122Origination Dollar Volume (All Markets)
$29,170,000Employee count
81Top 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) | 87 | $23,235,000 | $267,069 | $803 | 2.81% |
| Outside of Metro Areas | 21 | $2,235,000 | $106,429 | $683 | 3.02% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $0 | 3.59% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $1,297 | 2.77% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $943 | 2.75% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,299 | 2.50% |
| Atchison, KS (FHA|USDA|VA) | 4 | $280,000 | $70,000 | $645 | 3.19% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $964 | 2.50% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $776 | 2.50% |
| Rolla, MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 3.85% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 122 | $29,170,000 | $239,098 | $798 | 2.86% |
For 2021, Bank Of Blue Valley's most frequently originated type of loan was Conventional, with 122 originations.
Loan Reason
For 2021, Bank Of Blue Valley's most frequently cited loan purpose was Refi, with 83 originations. The 2nd most popular reason was Home Improvement, with 24 originations.
Loan Duration/Length
For 2021, Bank Of Blue Valley's most frequently cited loan duration was 15 Year, with 94 originations. The 2nd most popular length was 10 Year, with 14 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 111 | $20,465,000 | $184,369 |
Bank Of Blue Valley's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 111 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| <2.5% | 77 | $16,315,000 | $211,883 |
| 2.5-3% | 22 | $3,450,000 | $156,818 |
| 3-4% | 12 | $6,580,000 | $548,333 |
| 4-5% | 10 | $2,640,000 | $264,000 |
| 5-6% | 1 | $185,000 | $185,000 |
During 2021, Bank Of Blue Valley's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was <2.5%, with 77 originations.
Loan Sizing
2021 saw Bank Of Blue Valley place emphasis on $100,000 or less loans with 49 originations, totaling $2,835,000 in origination value.
Applicant Income
Bank Of Blue Valley lent most frequently to those with incomes in the $100k-150k range, with 26 originations. The second most popular income band? $150k-250k, with 21 originations.
Applicant Debt to Income Ratio
Bank Of Blue Valley lent most frequently to those with DTI ratios of 20-30%, with 34 originations. The next most common DTI ratio? <20%, with 23 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications73.85%
Bank Of Blue Valley has a below average approval rate.
Pick Rate
Approvals leading to origination81.97%
Bank Of Blue Valley has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 122 | $29,170,000 | $239,098 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| BANK OF THE WEST | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 5 | 16.7% |
| BANK OF THE WEST | VA mortgage | Trouble during payment process | 1 | 3.3% |
| BANK OF THE WEST | Other type of mortgage | Trouble during payment process | 2 | 6.7% |
| BANK OF THE WEST | Other type of mortgage | Struggling to pay mortgage | 1 | 3.3% |
| BANK OF THE WEST | Other type of mortgage | Closing on a mortgage | 1 | 3.3% |
| BANK OF THE WEST | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 3.3% |
| BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Trouble during payment process | 3 | 10.0% |
| BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 4 | 13.3% |
| BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 2 | 6.7% |
| BANK OF THE WEST | FHA mortgage | Trouble during payment process | 1 | 3.3% |
| BANK OF THE WEST | Conventional home mortgage | Struggling to pay mortgage | 2 | 6.7% |
| BANK OF THE WEST | Conventional home mortgage | Closing on a mortgage | 1 | 3.3% |
| BANK OF THE WEST | Conventional home mortgage | Trouble during payment process | 6 | 20.0% |
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 | $94,994 |
| Bank of Blue Valley | 11935 Riley Street Overland Park, KS 66213 | Full Service B&M | $518,225 |
| Bank of Blue Valley | 13401 Mission Road Leawood, KS 66209 | Full Service B&M | $69,000 |
| Bank of Blue Valley | 21 Main Sabetha, KS 66534 | Full Service B&M | $94,700 |
| Bank of Blue Valley | 2301 Burlington Street, Suite 100 North Kansas City, MO 64116 | Full Service B&M | $31,829 |
| Bank of Blue Valley | 701 Lakewood Blvd. Lees Summit, MO 64064 | Full Service B&M | $34,359 |
| Bank of Blue Valley | 734 Commercial Street Atchison, KS 66002 | Full Service B&M | $40,160 |
| Bank of Blue Valley | 7th And Delaware Streets Hiawatha, KS 66434 | Full Service B&M | $102,329 |
| Bank of Blue Valley | 9500 Lackman Road Lenexa, KS 66219 | Full Service B&M | $82,910 |
| Bank of Blue Valley | 958 West Santa Fe St Olathe, KS 66061 | Full Service B&M | $100,111 |
For 2021, Bank Of Blue Valley had 10 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $44,677 |
| Net interest income | $43,330 |
| Total noninterest income | $5,575 |
| Gross Fiduciary activities income | $685 |
| Service charges on deposit accounts | $1,625 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $3,265 |
| Pre-tax net operating income | $19,436 |
| Securities gains (or losses, -) | $525 |
| Income before extraordinary items | $15,624 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $15,624 |
| Minority interest net income | $0 |
| Net income | $15,624 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $15,209 |
Bank Of Blue Valley's gross interest income from loans was $44,677,000.
Bank Of Blue Valley's net interest income from loans was $43,330,000.
Bank Of Blue Valley's fee based income from loans was $1,625,000.
Bank Of Blue Valley's net income from loans was $15,624,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $1,347 |
| Provision for credit losses | $-771 |
| Total noninterest expense | $30,240 |
| Salaries and employee benefits | $7,529 |
| Premises and equipment expense | $2,716 |
| Additional noninterest expense | $19,995 |
| Applicable income taxes | $4,337 |
| Net charge-offs | $977 |
| Cash dividends | $13,100 |
Bank Of Blue Valley's interest expense for loans was $1,347,000.
Bank Of Blue Valley's payroll and benefits expense were $7,529,000.
Bank Of Blue Valley's property, plant and equipment expenses $2,716,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 1.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 1.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.5% |
| 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 | $1,179,294 |
| Deposits held in domestic offices | $1,179,294 |
| Deposits by Individuals, partnerships, and corporations | $1,139,581 |
| Deposits by U.S. Government | $1 |
| Deposits by States and political subdivisions in the U.S. | $39,712 |
| 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 | $206,344 |
| Demand deposits | $148,508 |
| Nontransaction accounts | $972,950 |
| Money market deposit accounts (MMDAs) | $853,296 |
| Other savings deposits (excluding MMDAs) | $64,846 |
| Total time deposits | $54,808 |
| Total time and savings deposits | $1,030,786 |
| Noninterest-bearing deposits | $366,633 |
| Interest-bearing deposits | $812,661 |
| Retail deposits | $1,162,872 |
| IRAs and Keogh plan accounts | $17,979 |
| Brokered deposits | $1 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $1,442,242 |
| Cash & Balances due from depository institutions | $17,831 |
| Interest-bearing balances | $4,894 |
| Total securities | $587,945 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $746,617 |
| Loan and leases loss allowance | $9,416 |
| Trading account assets | $1,445 |
| Bank premises and fixed assets | $16,799 |
| Other real estate owned | $1,227 |
| Goodwill and other intangibles | $46,462 |
| All other assets | $23,916 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $1,442,242 |
| Total Liabilities | $1,243,437 |
| Total deposits | $1,179,294 |
| Interest-bearing deposits | $812,661 |
| Deposits held in domestic offices | $1,179,294 |
| % insured (estimated) | $55 |
| Federal funds purchased and repurchase agreements | $56,828 |
| Trading liabilities | $1,445 |
| Other borrowed funds | $1,719 |
| Subordinated debt | $0 |
| All other liabilities | $4,151 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $746,617 |
| Loan and leases loss allowance | $9,416 |
| Total loans and leases (domestic) | $756,033 |
| All real estate loans | $506,326 |
| Real estate loans in domestic offices | $506,326 |
| Construction and development loans | $74,607 |
| Residential 1-4 family construction | $17,670 |
| Other construction, all land development and other land | $56,937 |
| Loans secured by nonfarm nonresidential properties | $327,883 |
| Nonfarm nonresidential secured by owner-occupied properties | $178,870 |
| Commercial real estate & other non-farm, non-residential | $149,013 |
| Multifamily residential real estate | $14,903 |
| 1-4 family residential loans | $53,270 |
| Farmland loans | $35,663 |
| Loans held in foreign offices | $0 |
| Farm loans | $16,887 |
| Commercial and industrial loans | $184,170 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $15,664 |
| Credit card loans | $565 |
| Related Plans | $9,559 |
| Consumer Auto Loans | $3,870 |
| Other loans to individuals | $1,670 |
| All other loans & leases | $32,986 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $117 |
| 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 $746,617,000 of loans outstanding in 2021. $506,326,000 of loans were in real estate loans. $74,607,000 of loans were in development loans. $14,903,000 of loans were in multifamily mortgage loans. $53,270,000 of loans were in 1-4 family mortgage loans. $16,887,000 of loans were in farm loans. $565,000 of loans were in credit card loans. $3,870,000 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 | 194 | $59,740 | $307,938 |
| Nonfarm, nonresidential loans - <$100k | 25 | $1,101 | $44,040 |
| Nonfarm, nonresidential loans - $100-250k | 47 | $5,004 | $106,468 |
| Nonfarm, nonresidential loans - $250k-1MM | 122 | $53,635 | $439,631 |
| Commercial & Industrial, US addressed loans - <$1MM | 610 | $49,205 | $80,664 |
| Commercial & Industrial, US addressed loans - <$100k | 349 | $6,741 | $19,315 |
| Commercial & Industrial, US addressed loans - $100-250k | 129 | $11,030 | $85,504 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 132 | $31,434 | $238,136 |
| Farmland loans - <$1MM | 82 | $10,454 | $127,488 |
| Farmland loans - <$100k | 29 | $929 | $32,034 |
| Farmland loans - $100-250k | 27 | $3,757 | $139,148 |
| Farmland loans - $250k-1MM | 26 | $5,768 | $221,846 |
| Agriculture operations loans - <$1MM | 106 | $5,259 | $49,613 |
| Agriculture operations loans - <$100k | 79 | $1,715 | $21,709 |
| Agriculture operations loans - $100-250k | 22 | $2,183 | $99,227 |
| Agriculture operations loans - $250k-1MM | 5 | $1,361 | $272,200 |