North Valley Bank Mortgage Rates, Fees & Info
Zanesville, OHLEI: 549300HPK3YMV2JKCB12
Tax ID: 31-4122250
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
North Valley Bank is a smaller bank specializing in Home Purchase loans. North Valley Bank has a high proportion of conventional loans. Their top markets by origination volume include: Columbus, Zanesville, Athens, Cambridge, and Marietta 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
92Origination Dollar Volume (All Markets)
$22,030,000Top 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 |
|---|---|---|---|---|---|
| COLUMBUS, OH (FHA|USDA|VA) | 45 | $10,175,000 | $226,111 | $0 | 0.00% |
| Zanesville, OH (FHA|USDA|VA) | 22 | $6,500,000 | $295,455 | $0 | 0.00% |
| Outside of Metro Areas | 15 | $2,565,000 | $171,000 | $0 | 0.00% |
| Athens, OH (FHA|USDA|VA) | 4 | $1,710,000 | $427,500 | $0 | 0.00% |
| Cambridge, OH (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $0 | 0.00% |
| Marietta, OH (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| Washington Court House, OH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against North Valley Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 216
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 92 | $22,030,000 | $239,457 | $0 | 0.00% |
For 2024, North Valley Bank's most frequently originated type of loan was Conventional, with 92 originations.
Loan Reason
For 2024, North Valley Bank's most frequently cited loan purpose was Home Purchase, with 57 originations. The 2nd most popular reason was Refi, with 23 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 92 | $22,030,000 | $239,457 | $0 | 0.00% |
For 2024, North Valley Bank's most frequently cited loan duration was Other, with 92 originations.
Loan Sizing
2024 saw North Valley Bank place emphasis on $100k-200k loans with 30 originations, totaling $4,300,000 in origination value.
Applicant Income
North Valley Bank lent most frequently to those with incomes in the $50k-75k range, with 19 originations. The second most popular income band? $100k-150k, with 18 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 92 | $22,030,000 | $239,457 | $0 | 0.00% |
North Valley Bank lent most frequently to those with DTI ratios of Exempt%, with 92 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.60%
North Valley Bank has an average approval rate.
Pick Rate
Approvals leading to origination86.96%
North Valley Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 92 | $22,030,000 | $239,457 |