Mountain Valley Bank
Mountain Valley Bank received 75 applications in 2025 and made 53 mortgages, in 18 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $245,000. Of 57 decisions, 3 were denials — 5.3%.
| Legal Entity Identifier | 5493003ZCL0UPU6NWT09 |
|---|---|
| Applications received | 75 |
| Mortgages made | 53 |
| Denied | 3 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Mountain Valley Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 25 | Not published | $305,000 | 7.4% |
| Refinancing | 10 | Not published | $400,000 | 9.1% |
| Cash-out refinancing | 14 | Not published | $170,000 | 0.0% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 0.0% |
Where Mountain Valley Bank lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Routt County, CO | 20 | Not published | 8.7% |
| Rio Blanco County, CO | 10 | Not published | 0.0% |
| Weld County, CO | 5 | Under 10 loans | 16.7% |
| Jackson County, CO | 3 | Under 10 loans | 0.0% |
| Moffat County, CO | 3 | Under 10 loans | 0.0% |
| Carbon County, WY | 2 | Under 10 loans | 0.0% |
| Boulder County, CO | 1 | Under 10 loans | 0.0% |
| Custer County, CO | 1 | Under 10 loans | 0.0% |
| Garfield County, CO | 1 | Under 10 loans | 0.0% |
| Grand County, CO | 1 | Under 10 loans | 0.0% |
| Gunnison County, CO | 1 | Under 10 loans | 0.0% |
| La Plata County, CO | 1 | Under 10 loans | 0.0% |
| Larimer County, CO | 1 | Under 10 loans | 0.0% |
| Mesa County, CO | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 0.0% |
| Sweetwater County, WY | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 0 | Under 10 loans | Not published |
| Douglas County, CO | 0 | Under 10 loans | Not published |
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When Mountain Valley Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.