What loan types does The Ohio Valley Bank Company offer?

The Ohio Valley Bank Company offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does The Ohio Valley Bank Company offer mortgages?

The Ohio Valley Bank Company offers mortgages in 5 states: KY, NC, OH, SC, WV.

How competitive are The Ohio Valley Bank Company's mortgage rates?

The Ohio Valley Bank Company has an overall pricing score of 65.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is The Ohio Valley Bank Company?

The Ohio Valley Bank Company is a Bank headquartered in Gallipolis, OH.

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The Ohio Valley Bank Company

Bank•Gallipolis, OHHQ•Direct•Reviews near you on Google

The Ohio Valley Bank Company has 199 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Offers rates 60.60 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

The Ohio Valley Bank Company performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 60.6 bps below market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

196 loans · 0.60% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

171 loans · 0.70% below market

Sound

Top 60% of lenders

3/5

Refinance

28 loans · 0.14% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Strong	196	98.5%	-0.603%Below	$747Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume196

Mix98.5%

Spread

-0.603%Below

Fees

$747Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Strong	171	85.9%	-0.697%Below	$743Fees
Refinance	Acceptable	Acceptable	Acceptable	Sound	28	14.1%	-0.145%Below	$849Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume171

Mix85.9%

Spread

-0.697%Below

Fees

$743Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Sound

Volume28

Mix14.1%

Spread

-0.145%Below

Fees

$849Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

199

Applications

230

Volume

$54 million

Pricing & Closing

Avg Rate Spread

-0.606%

vs. market APOR

Avg Net Fees

$761

Origination − Credits

Pullthrough Rate

86.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$272,136

Avg Borrower Income

$145,477

Avg Property Value

$342,387

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

5Full-year 2024 · HMDA

Loans originated

< 100100+None

Midwest1

South4

KYNCSCWV

Top Metro Areas by Place Specialization Score

HuntingtonMetro

Volume 76Mix 38.19% of portfolio

80/100

Strong

Top States by Place Specialization Score

West VirginiaState

Volume 86Mix 43.22% of portfolio

75/100

Strong

OhioState

Volume 108Mix 54.27% of portfolio

67/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.