Applications / Mortgage Analytics / Lenders / Utah / Grand Valley Bank
Heber City, UT · State non-member bank · FDIC · $586 million assets · 21 loans in 2025
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21
loans originated, 2025
32
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Grand Valley Bank, a Heber City, Utah, bank that has reported mortgage lending since 1996, made just 21 home loans in 2025, a fraction of the 126 it made in 2021.
Its loans fell 28% in 2025, from 29 to 21. Similar lenders, state non-member banks making between half and twice as many loans, fell by 12%, while the whole market rose 10%. Its count has dropped every year since the 2021 peak. The fall came as rates rose, from a typical 2.88% five years ago to 7.75% now, which may have cut demand for refinancing.
The bank was founded in 1983 as Grand Valley National Bank and took its present name in 2008. It has lent in Grand Junction and non-metro Colorado since 1996, and its head office is now in Utah. Its largest market is non-metro Utah, where it ranks 117 of 349 lenders; in Grand Junction it ranks 139 of 268.
Every one of its loans was conventional, with no government backing. Nearly half financed a purchase and more than a third a refinance. With only 21 loans, its shares of lending to low- and moderate-income borrowers, of higher-priced loans and of larger loans are too small to say much about, and it had too few applications for a denial rate to be reported.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Grand Valley Bank took 32 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.6% · Refinance 38.1% · Other 9.5% · Home improvement 4.8%
Conventional 100.0% · of 21 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 |
|---|---|---|
| Utah | 12 | 57.1% |
| Colorado | 9 | 42.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Junction | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002HQPD3K5EOQP52 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 178851 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 118058 | 1996–2007 |
| Respondent ID (the HMDA filer code before 2018) | 324922 | 2008–2017 |
Established 13 December 1983. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Grand Valley Bank's data.
Grand Valley Bank's data
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Grand 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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