North Valley Bank Mortgage Rates, Fees & Info
Zanesville, OHLEI: 549300HPK3YMV2JKCB12
Tax ID: 31-4122250
Latest/2023 | 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 and Refi loans. North Valley Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Columbus, Zanesville, Washington Court House, Cambridge, and Athens 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
101Origination Dollar Volume (All Markets)
$21,435,000Top 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) | 44 | $12,040,000 | $273,636 | $0 | 0.00% |
| Zanesville, OH (FHA|USDA|VA) | 36 | $5,680,000 | $157,778 | $0 | 0.00% |
| Outside of Metro Areas | 12 | $1,710,000 | $142,500 | $0 | 0.00% |
| Washington Court House, OH (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $0 | 0.00% |
| Cambridge, OH (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 0.00% |
| Athens, OH (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 100 | $21,310,000 | $213,100 | $0 | 0.00% |
| USDA | 1 | $125,000 | $125,000 | $0 | 0.00% |
For 2022, North Valley Bank's most frequently originated type of loan was Conventional, with 100 originations. Their 2nd most popular type was USDA, with 1 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 58 | $15,250,000 | $262,931 | $0 | 0.00% |
| Refi | 34 | $4,760,000 | $140,000 | $0 | 0.00% |
| Home Improvement | 9 | $1,425,000 | $158,333 | $0 | 0.00% |
For 2022, North Valley Bank's most frequently cited loan purpose was Home Purchase, with 58 originations. The 2nd most popular reason was Refi, with 34 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 101 | $21,435,000 | $212,228 | $0 | 0.00% |
For 2022, North Valley Bank's most frequently cited loan duration was Other, with 101 originations.
Loan Sizing
2022 saw North Valley Bank place emphasis on $100k-200k loans with 38 originations, totaling $5,180,000 in origination value.
Applicant Income
North Valley Bank lent most frequently to those with incomes in the $75k-100k range, with 20 originations. The second most popular income band? $50k-75k, with 18 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 101 | $21,435,000 | $212,228 | $0 | 0.00% |
North Valley Bank lent most frequently to those with DTI ratios of Exempt%, with 101 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.34%
North Valley Bank has an average approval rate.
Pick Rate
Approvals leading to origination87.13%
North Valley Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 101 | $21,435,000 | $212,228 |