Applications / Mortgage Analytics / Lenders / Ohio / North Valley Bank
Zanesville, OH · State member bank · FRS · $409 million assets · 104 loans in 2025
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104
loans originated, 2025
127
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
North Valley Bank lends unusually heavily in low- and moderate-income neighbourhoods: 38.8% of its 104 loans were in such areas, more than double the share at the typical similar bank.
Against similar lenders (state member banks making between half and twice as many loans), its 38.8% share in LMI (low- and moderate-income) areas was higher than about nine in ten; the typical peer's was 17.0%. LMI borrowers took 35.4%, higher than about four in five peers. Its thirteen-county Ohio footprint, much of it outside the big metros, may include many areas the census counts as LMI.
Loans rose 13% to 104, against 8% for the typical peer and 10% for the whole market. The 2024 merger with Commodore Bank folds that bank's lending into the comparison, so part of the change may come from the combined bank.
Manufactured homes made up 10.6% of its loans, against 1.9% for the typical peer, higher than about four in five similar banks. Purchases were 57.7% of its lending and refinancing 26.0%. A largely rural footprint, where such homes are more common, may explain the mix.
It ranks 158 of 596 in Columbus and 124 of 592 in non-metro Ohio, a community bank among national lenders. Few of its loans, 1.0%, were in majority-minority areas, lower than about four in five peers, which may reflect the population of the counties it serves.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. North Valley Bank took 127 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.7% · Refinance 26.0% · Home improvement 12.5% · Other 3.8%
Conventional 100.0% · of 104 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 104 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 58 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HPK3YMV2JKCB12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 783910 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2783910 | 2014–2017 |
Established 4 November 1904. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: North Valley Bank's data.
North Valley Bank's data
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North Valley Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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