North Valley Bank
North Valley Bank received 127 applications in 2025 and made 104 mortgages, in 14 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $165,000. Of 118 decisions, 14 were denials — 11.9%. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300HPK3YMV2JKCB12 |
|---|---|
| Applications received | 127 |
| Mortgages made | 104 |
| Denied | 14 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: North Valley Bank, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 60 | Not published | $220,000 | 10.5% |
| Refinancing | 27 | Not published | $135,000 | 10.0% |
| Other purposes | 17 | Not published | $75,000 | 19.1% |
Where North Valley Bank lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Muskingum County, OH | 26 | Not published | 16.1% |
| Perry County, OH | 26 | Not published | 18.8% |
| Fairfield County, OH | 12 | Not published | 0.0% |
| Licking County, OH | 11 | Not published | 8.3% |
| Morgan County, OH | 11 | Not published | 8.3% |
| Franklin County, OH | 7 | Under 10 loans | 0.0% |
| Athens County, OH | 4 | Under 10 loans | 0.0% |
| Ross County, OH | 2 | Under 10 loans | 0.0% |
| Guernsey County, OH | 1 | Under 10 loans | 0.0% |
| Hocking County, OH | 1 | Under 10 loans | 0.0% |
| Madison County, OH | 1 | Under 10 loans | 0.0% |
| Noble County, OH | 1 | Under 10 loans | 0.0% |
| Washington County, OH | 1 | Under 10 loans | 0.0% |
| Fayette County, OH | 0 | Under 10 loans | 100.0% |
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When North Valley Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.