Valliance Bank Mortgage Rates, Fees & Info
Oklahoma City, OKLEI: 549300OCPYKDBIQ11H61
Tax ID: 41-2149887
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Valliance Bank is a smaller bank specializing in Home Purchase and Refi loans. Valliance Bank has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Oklahoma City, Auburn, Tulsa, and Sherman among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)Valliance 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
71Origination Dollar Volume (All Markets)
$45,175,000Top 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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 20 | $21,730,000 | $1,086,500 | $0 | 0.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 38 | $18,740,000 | $493,158 | $0 | 0.00% |
| Outside of Metro Areas | 3 | $2,075,000 | $691,667 | $0 | 0.00% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $0 | 0.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| Durango, CO (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 0.00% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 71 | $45,175,000 | $636,268 | $0 | 0.00% |
For 2022, Valliance Bank's most frequently originated type of loan was Conventional, with 71 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 46 | $33,620,000 | $730,870 | $0 | 0.00% |
| Refi | 23 | $11,275,000 | $490,217 | $0 | 0.00% |
| Home Improvement | 2 | $280,000 | $140,000 | $0 | 0.00% |
For 2022, Valliance Bank's most frequently cited loan purpose was Home Purchase, with 46 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 | 71 | $45,175,000 | $636,268 | $0 | 0.00% |
For 2022, Valliance Bank's most frequently cited loan duration was Other, with 71 originations.
Loan Sizing
2022 saw Valliance Bank place emphasis on $200k-400k loans with 21 originations, totaling $5,545,000 in origination value.
Applicant Income
Valliance Bank lent most frequently to those with incomes in the $250k+ range, with 22 originations. The second most popular income band? $100k-150k, with 6 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 71 | $45,175,000 | $636,268 | $0 | 0.00% |
Valliance Bank lent most frequently to those with DTI ratios of Exempt%, with 71 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.05%
Valliance Bank has an average approval rate.
Pick Rate
Approvals leading to origination88.73%
Valliance Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 71 | $45,175,000 | $636,268 |