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 Refi loans. North Valley Bank has a high proportion of conventional loans. Their top markets by origination volume include: Denver, Moscow, Fort Collins, Greeley, and Pueblo among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)North Valley Bank has an above 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
91Origination Dollar Volume (All Markets)
$30,455,000Top 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) | 82 | $25,760,000 | $314,146 | $0 | 0.00% |
| Moscow, ID (FHA|USDA|VA) | 1 | $3,305,000 | $3,305,000 | $0 | 0.00% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 0.00% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 0.00% |
| PUEBLO, CO (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 91 | $30,455,000 | $334,670 | $0 | 0.00% |
For 2019, North Valley Bank's most frequently originated type of loan was Conventional, with 91 originations.
Loan Reason
For 2019, North Valley Bank's most frequently cited loan purpose was Home Purchase, with 56 originations. The 2nd most popular reason was Refi, with 29 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 91 | $30,455,000 | $334,670 | $0 | 0.00% |
For 2019, North Valley Bank's most frequently cited loan duration was Other, with 91 originations.
Loan Sizing
2019 saw North Valley Bank place emphasis on $200k-400k loans with 37 originations, totaling $10,285,000 in origination value.
Applicant Income
North Valley Bank lent most frequently to those with incomes in the $250k+ range, with 10 originations. The second most popular income band? $150k-250k, with 7 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 91 | $30,455,000 | $334,670 | $0 | 0.00% |
North Valley Bank lent most frequently to those with DTI ratios of Exempt%, with 91 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
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 origination89.01%
North Valley Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 91 | $30,455,000 | $334,670 |