Spring Valley Bank mortgage approval rate & lending review
Spring Valley Bank decided 400 mortgage applications and funded 306 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Spring Valley Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Spring Valley Bank at a glance
Approval is 5.6 points below the 83.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Investment property purchase | 80% | 272 / 342 | 97% | $145K | 265 |
| Investment home improvement | 78% | 25 / 32 | 100% | $95K | 25 |
Spring Valley Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 78% | $145K | 393 | 301 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Spring Valley Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hamilton County, OH | Investment property purchase | 80% | 261 | 203 |
| Butler County, OH | Investment property purchase | 67% | 42 | 28 |
| Hamilton County, OH | Investment home improvement | 76% | 29 | 22 |
The county markets where Spring Valley Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Spring Valley Bank
What is Spring Valley Bank's mortgage approval rate?
Spring Valley Bank approved 78.2% of the 400 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.6 points below the 83.9% national rate for the same mix of loan types.
How often do borrowers take the loan Spring Valley Bank offers?
Borrowers accepted 98% of the loans Spring Valley Bank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Spring Valley Bank make?
The typical investment property mortgage loan Spring Valley Bank made was $145K; across all loan types its typical loan ran from $95K to $145K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Spring Valley Bank lend?
Spring Valley Bank decided applications in 2 of the states Fat Boy Data covers, most of them in Ohio and Kentucky.
Can I apply to Spring Valley Bank directly?
Yes. Spring Valley Bank is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Spring Valley Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Spring Valley Bank treats applications, then get a rate quote from the lender.