Applications / Mortgage Analytics / Lenders / Colorado / North Valley Bank
Thornton, CO · State non-member bank · FDIC · $260 million assets · 34 loans in 2025
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34
loans originated, 2025
42
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
North Valley Bank, of Thornton, Colorado, is a small bank that makes large loans, many of them in poorer neighborhoods.
Its typical loan was $460,000, against $165,000 at similar lenders, which are state non-member banks making between half and twice as many loans. That is larger than at about nine in ten of them. Its 34 loans split between purchases, 52.9%, and refinances, 47.1%, and all were conventional.
Low- and moderate-income (LMI) neighborhoods took 38.2% of its loans, against 19.0% at similar lenders, higher than at nearly nine in ten. Majority-minority neighborhoods took 26.5%, against 6.3%. Where it lends, mainly around Denver, may explain much of this; with 34 loans the shares can move a lot.
It made 34 loans, down 13% from 39, while similar lenders grew 2% and the whole market 10%. It made 91 loans in 2019. It filed no report for 2020 to 2022; those are gaps in the record, not years without lending.
In Denver-Aurora-Centennial, its largest market, it ranked 209 of 754 lenders, with a share too small to register. It also lends in Fort Collins-Loveland and, since 2019, in Nashville-Davidson--Murfreesboro--Franklin.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. North Valley Bank took 42 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.9% · Refinance 47.1%
Conventional 100.0% · of 34 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 |
|---|---|---|
| Colorado | 33 | 97.1% |
| Tennessee | 1 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 31 |
| Fort Collins-Loveland | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007074TOVS4FJF21 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 350750 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318710 | 1990–2017 |
Established 25 February 1963. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: North Valley Bank's data.
North Valley Bank's data
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