Central Valley Community Bank Mortgage Rates, Fees & Info

FRESNO, CA

LEI: 549300U4NMMQ8OEM3D10

Tax ID: 94-2589722

Latest/2025 | 2024 Data | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Central Valley Community Bank is a smaller bank specializing in Home Purchase loans. Central Valley Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: Sacramento, Hanford, and Fresno among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Central Valley Community Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

    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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    Originations

    13

    Origination Dollar Volume (All Markets)

    $3,605,000

    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
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 11 $2,435,000 $221,364 $0 6.00%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $695,000 $695,000 $0 5.25%
    FRESNO, CA (FHA|USDA|VA) 1 $475,000 $475,000 $0 5.50%
    Central Valley Community Bank's top markets include Sacramento, Hanford, and Fresno among others.

    Their top states include:
  • California (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 13 $3,605,000 $277,308 $0 5.90%

    For 2018, Central Valley Community Bank's most frequently originated type of loan was Conventional, with 13 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 12 $2,910,000 $242,500 $0 5.96%
    Refi 1 $695,000 $695,000 $0 5.25%

    For 2018, Central Valley Community Bank's most frequently cited loan purpose was Home Purchase, with 12 originations. The 2nd most popular reason was Refi, with 1 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 13 $3,605,000 $277,308 $0 5.90%

    For 2018, Central Valley Community Bank's most frequently cited loan duration was Other, with 13 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 6 $2,720,000 $453,333
    6-7% 6 $760,000 $126,667
    4-5% 1 $125,000 $125,000

    During 2018, Central Valley Community Bank's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 5-6%, with 6 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 8 $1,180,000 $147,500 $0 6.13%
    $400k-600k 2 $980,000 $490,000 $0 5.38%
    $600k-1MM 2 $1,370,000 $685,000 $0 5.25%
    $100,000 or less 1 $75,000 $75,000 $0 6.50%

    2018 saw Central Valley Community Bank place emphasis on $100k-200k loans with 8 originations, totaling $1,180,000 in origination value.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 11 $2,455,000 $223,182 $0 6.00%
    Not provided 1 $675,000 $675,000 $0 5.25%
    White 1 $475,000 $475,000 $0 5.50%

    Approval Rates

    Total approvals of all applications
    80.56%

    Central Valley Community Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    -23.08%

    Central Valley Community Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 13 $3,605,000 $277,308

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 4 $2,350,000 $587,500
    Single Family (1-4 Units):Site-Built 9 $1,255,000 $139,444

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    40-60% 3 $1,025,000 $341,667 $0 5.83%
    60-80% 7 $925,000 $132,143 $0 6.18%
    80-100% 1 $675,000 $675,000 $0 5.25%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    CENTRAL BANC MORTGAGE CORPORATION Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%