Mid-valley Services Mortgage Rates, Fees & Info
FRESNO, CALEI: 54930072YJBZ4YV3DY74
Tax ID: 77-0329262
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Mortgage Data
Review & Overview
Mid-valley Services is a smaller mortgage company specializing in Refi and Home Purchase loans. Mid-valley Services has a high proportion of conventional loans. Their top markets by origination volume include: Fresno, Madera, Los Angeles, Santa Maria, and Visalia among others. We have data for 14 markets. (Some data included below & more in-depth data is available with an active subscription.)Mid-valley Services 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. Mid-valley Services is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
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 |
|---|---|---|
| 30 Year Conventional Purchase | 7.19% | 7/7/25 |
| 30 Year Conventional Refi | 7.48% | 7/7/25 |
| 30 Year Cash-out Refi | 11.26% | 7/7/25 |
| 30 Year FHA Purchase | 6.72% | 7/7/25 |
| 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. | ||
Mid-valley Services Mortgage Calculator
Your Estimates
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This is not an official calculator from Mid-valley Services. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
74Origination Dollar Volume (All Markets)
$28,960,000Relative Rate
Mid-valley Services's average 30 year fixed mortgage rate was
8.63%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 2.08%.
Relative Fees (Closing Costs)
Mid-valley Services's average total fees/closing costs for a 30 year fixed rate
mortgage were $11,132.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
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 |
|---|---|---|---|---|---|
| FRESNO, CA (FHA|USDA|VA) | 39 | $15,075,000 | $386,538 | $7,554 | 10.44% |
| MADERA, CA (FHA|USDA|VA) | 10 | $2,810,000 | $281,000 | $11,298 | 11.54% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $2,115,000 | $705,000 | $16,903 | 11.17% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $1,705,000 | $1,705,000 | $0 | 10.99% |
| VISALIA, CA (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $5,747 | 11.83% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $0 | 10.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $0 | 12.00% |
| Outside of Metro Areas | 3 | $905,000 | $301,667 | $18,381 | 10.46% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $28,850 | 12.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $22,215 | 12.50% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $4,977 | 10.63% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 11.00% |
| MERCED, CA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,261 | 8.94% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,332 | 9.99% |
Their top states include:
Similar Lenders
We use machine learning to identify the top lenders compared against MID-VALLEY SERVICES based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 74 | $28,960,000 | $391,351 | $9,782 | 10.81% |
For 2024, Mid-valley Services's most frequently originated type of loan was Conventional, with 74 originations.
Loan Reason
For 2024, Mid-valley Services's most frequently cited loan purpose was Refi, with 36 originations. The 2nd most popular reason was Home Purchase, with 17 originations.
Loan Duration/Length
For 2024, Mid-valley Services's most frequently cited loan duration was 1 Year, with 22 originations. The 2nd most popular length was Other, with 21 originations.
Origination Fees/Closing Costs
Mid-valley Services's average total fees were $11,132, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 18 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 61 | $25,065,000 | $410,902 |
| 6-7% | 7 | $1,855,000 | $265,000 |
| 7-8% | 5 | $1,295,000 | $259,000 |
| 5-6% | 1 | $745,000 | $745,000 |
During 2024, Mid-valley Services's average interest rate for loans was 8.63%, while their most frequently originated rate bucket for loans was Over 8%, with 61 originations.
Loan Sizing
2024 saw Mid-valley Services place emphasis on $200k-400k loans with 23 originations, totaling $6,665,000 in origination value.
Applicant Income
Mid-valley Services lent most frequently to those with incomes in the $100k-150k range, with 16 originations. The second most popular income band? $250k+, with 14 originations.
Applicant Debt to Income Ratio
Mid-valley Services lent most frequently to those with DTI ratios of 20-30%, with 11 originations. The next most common DTI ratio? <20%, with 9 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.80%
Mid-valley Services has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination79.73%
Mid-valley Services has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 74 | $28,960,000 | $391,351 |