Bank Of Blue Valley Mortgage Rates, Fees & Info

Overland Park, KS

LEI: 5493001BNJ1T5ZW02635

Tax ID: 48-0343180

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Bank Of Blue Valley is a smaller bank specializing in Refi loans. Bank Of Blue Valley has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Los Angeles, Warrensburg, Lawrence, and Tulsa among others. We have data for 8 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate 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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Bank Of Blue Valley. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    90

    Origination Dollar Volume (All Markets)

    $26,560,000

    Top 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) 67 $18,975,000 $283,209 $638 4.43%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $1,985,000 $1,985,000 $0 3.50%
    Warrensburg, MO (FHA|USDA|VA) 2 $1,930,000 $965,000 $0 7.25%
    LAWRENCE, KS (FHA|USDA|VA) 2 $1,340,000 $670,000 $954 4.08%
    Outside of Metro Areas 15 $1,265,000 $84,333 $578 3.87%
    TULSA, OK (FHA|USDA|VA) 1 $705,000 $705,000 $5,598 2.90%
    TOPEKA, KS (FHA|USDA|VA) 1 $315,000 $315,000 $1,693 4.80%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $45,000 $45,000 $383 4.15%
    Bank Of Blue Valley's top markets include Kansas City, Los Angeles, Warrensburg, Lawrence, and Tulsa among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 90 $26,560,000 $295,111 $712 4.36%

    For 2022, Bank Of Blue Valley's most frequently originated type of loan was Conventional, with 90 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 40 $17,940,000 $448,500 $743 4.25%
    Home Improvement 32 $3,180,000 $99,375 $570 4.30%
    Other 11 $765,000 $69,545 $536 4.69%
    Home Purchase 7 $4,675,000 $667,857 $3,265 4.79%

    For 2022, Bank Of Blue Valley's most frequently cited loan purpose was Refi, with 40 originations. The 2nd most popular reason was Home Improvement, with 32 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 68 $9,250,000 $136,029 $748 4.14%
    10 Year 8 $6,490,000 $811,250 $193 4.61%
    5 Year 8 $6,370,000 $796,250 $383 5.03%
    Other 4 $3,840,000 $960,000 $0 4.04%
    1 Year 2 $610,000 $305,000 $0 8.83%

    For 2022, Bank Of Blue Valley's most frequently cited loan duration was 15 Year, with 68 originations. The 2nd most popular length was 10 Year, with 8 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 71 $8,745,000 $123,169
    $1k-2k 1 $705,000 $705,000

    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 71 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 27 $9,525,000 $352,778
    4-5% 19 $6,575,000 $346,053
    5-6% 17 $6,265,000 $368,529
    2.5-3% 17 $3,015,000 $177,353
    6-7% 5 $445,000 $89,000
    Over 8% 3 $665,000 $221,667
    7-8% 2 $70,000 $35,000

    During 2022, Bank Of Blue Valley's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 3-4%, with 27 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 46 $2,450,000 $53,261 $490 4.55%
    $100k-200k 18 $2,620,000 $145,556 $623 4.11%
    $200k-400k 11 $3,075,000 $279,545 $891 3.88%
    $1MM+ 7 $13,585,000 $1,940,714 $0 4.46%
    $400k-600k 4 $1,850,000 $462,500 $2,118 5.20%
    $600k-1MM 4 $2,980,000 $745,000 $3,395 3.64%

    2022 saw Bank Of Blue Valley place emphasis on $100,000 or less loans with 46 originations, totaling $2,450,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 22 $1,810,000 $82,273 $435 4.57%
    $150k-250k 16 $2,510,000 $156,875 $759 4.10%
    $250k+ 10 $3,080,000 $308,000 $1,477 4.12%
    $50k-75k 8 $810,000 $101,250 $686 3.66%
    $50k or less 7 $285,000 $40,714 $436 3.88%
    $75k-100k 7 $625,000 $89,286 $722 4.02%

    Bank Of Blue Valley lent most frequently to those with incomes in the $100k-150k range, with 22 originations. The second most popular income band? $150k-250k, with 16 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 17 $2,485,000 $146,176 $767 3.75%
    30-36% 15 $2,085,000 $139,000 $569 4.20%
    <20% 12 $1,780,000 $148,333 $1,054 4.05%
    42% 6 $610,000 $101,667 $546 4.68%
    39% 5 $255,000 $51,000 $584 4.78%
    43% 3 $405,000 $135,000 $716 3.10%
    36% 3 $1,005,000 $335,000 $1,129 3.70%
    40% 3 $105,000 $35,000 $325 4.08%
    41% 2 $200,000 $100,000 $758 6.20%
    38% 2 $70,000 $35,000 $488 5.13%
    37% 2 $120,000 $60,000 $495 4.70%

    Bank Of Blue Valley lent most frequently to those with DTI ratios of 20-30%, with 17 originations. The next most common DTI ratio? 30-36%, with 15 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 12 $11,480,000 $956,667 $0 5.65%
    White 54 $8,630,000 $159,815 $714 4.30%
    Not provided 19 $3,795,000 $199,737 $739 3.74%
    Asian 2 $2,410,000 $1,205,000 $0 3.50%
    Black 2 $220,000 $110,000 $595 5.50%
    American Indian 1 $25,000 $25,000 $383 3.70%

    Approval Rates

    Total approvals of all applications
    75.00%

    Bank Of Blue Valley has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    86.67%

    Bank Of Blue Valley has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 90 $26,560,000 $295,111

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    90 $26,560,000 $295,111

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 22 $7,070,000 $321,364 $599 4.31%
    40-60% 14 $4,970,000 $355,000 $815 4.21%
    60-80% 14 $10,490,000 $749,286 $1,690 3.63%
    80-100% 4 $730,000 $182,500 $329 4.76%
    Under 20% 36 $3,300,000 $91,667 $491 4.69%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    BANK OF AMERICA, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Trouble during payment process 1 6.7%
    BANK OF AMERICA, NATIONAL ASSOCIATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 3 20.0%
    BANK OF AMERICA, NATIONAL ASSOCIATION Conventional home mortgage Closing on a mortgage 1 6.7%
    BANK OF AMERICA, NATIONAL ASSOCIATION Conventional home mortgage Struggling to pay mortgage 1 6.7%
    BANK OF AMERICA, NATIONAL ASSOCIATION Conventional home mortgage Trouble during payment process 7 46.7%
    BANK OF AMERICA, NATIONAL ASSOCIATION FHA mortgage Struggling to pay mortgage 1 6.7%
    BANK OF AMERICA, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 6.7%