North Valley Bank Mortgage Rates, Fees & Info
THORNTON, COLEI: 5493007074TOVS4FJF21
Tax ID: 84-0521087
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Mortgage Data
Review & Overview
North Valley Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. North Valley Bank has a high proportion of conventional loans. Their top two markets are Denver and Greeley .North Valley Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
71Origination Dollar Volume (All Markets)
$22,395,000Top 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 |
|---|---|---|---|---|---|
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 68 | $21,910,000 | $322,206 | $0 | 0.00% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 71 | $22,395,000 | $315,423 | $0 | 0.00% |
For 2018, North Valley Bank's most frequently originated type of loan was Conventional, with 71 originations.
Loan Reason
For 2018, North Valley Bank's most frequently cited loan purpose was Home Purchase, with 44 originations. The 2nd most popular reason was Cash Out Refi, with 15 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 71 | $22,395,000 | $315,423 | $0 | 0.00% |
For 2018, North Valley Bank's most frequently cited loan duration was Other, with 71 originations.
Loan Sizing
2018 saw North Valley Bank place emphasis on $200k-400k loans with 33 originations, totaling $8,845,000 in origination value.
Applicant Income
North Valley Bank lent most frequently to those with incomes in the $250k+ range, with 15 originations. The second most popular income band? $50k-75k, with 7 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.06%
North Valley Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination91.55%
North Valley Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 71 | $22,395,000 | $315,423 |