North Valley Bank in Ohio vs the state
11.0%Denial rate-6.67 pts vs state
11.9%Decision denial rate-10.03 pts vs state
81.9%Origination rate+21.99 pts vs state
—Median rate
—Rate spread (pts)
$93kMedian applicant income
104Loans originated
14Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 142 | 122 | 8.5% | — | #259 |
| 2024 | 115 | 92 | 9.6% | — | #289 |
| 2025 | 127 | 104 | 11.0% | — | #294 |
What North Valley Bank lends in Ohio
By loan purpose
By loan type
Where in Ohio
Counties with the most North Valley Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Muskingum County | 34 | 26 | 5 | 14.7% |
| Perry County | 34 | 26 | 6 | 17.6% |
| Morgan County | 15 | 11 | 1 | 6.7% |
| Fairfield County | 13 | 12 | 0 | 0.0% |
| Licking County | 12 | 11 | 1 | 8.3% |
| Franklin County | 7 | 7 | 0 | 0.0% |
| Athens County | 4 | 4 | 0 | 0.0% |
| Ross County | 2 | 2 | 0 | 0.0% |
| Noble County | 1 | 1 | 0 | 0.0% |
| Guernsey County | 1 | 1 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 127 applications in 2025, of which 104 were originated and 14 denied.
11.0% of all applications, or 11.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are North Valley Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology