The Nodaway Valley Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
69th5.8% deniedProcesswithdrawn + incomplete share, weight 15%
54th10.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 398 | 306 | 6.5% | 7.5% | — | $51M |
| 2024 | 406 | 336 | 7.6% | 8.2% | — | $60M |
| 2025 | 406 | 333 | 5.2% | 5.8% | — | $73M |
What The Nodaway Valley Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 19 manufactured homes, 166 investment properties.
Who gets approved at The Nodaway Valley Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 37 | 26 | 25.7% |
| $50k – $100k | 79 | 66 | 9.3% |
| $100k – $150k | 62 | 56 | 4.8% |
| $150k – $250k | 54 | 53 | 0.0% |
| Over $250k | 29 | 29 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 24 | 19 | 9.5% |
| 25–34 | 52 | 40 | 10.6% |
| 35–44 | 72 | 55 | 5.1% |
| 45–54 | 59 | 45 | 6.1% |
| 55–64 | 61 | 46 | 11.3% |
| 65–74 | 33 | 30 | 3.2% |
Where The Nodaway Valley Bank lends
5 states and 30 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
The Nodaway Valley Bank denied 5.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 69th percentile of small mortgage lenders.
In 2025, 52% of its applications were for home purchases, 34% for refinancing (including cash-out), and 14% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.