MOUNTAIN VALLEY BANK
MOUNTAIN VALLEY BANK received 88 applications in 2025 and made 67 mortgages, in 16 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $125,000. Of 80 decisions, 12 were denials — 15.0%.
| Legal Entity Identifier | 549300VTVP64BKEO3L58 |
|---|---|
| Applications received | 88 |
| Mortgages made | 67 |
| Denied | 12 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 8 |
| 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 | 35 | Not published | $175,000 | 16.7% |
| Refinancing | 15 | Not published | $75,000 | 0.0% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 25.0% |
Where MOUNTAIN VALLEY BANK lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hamilton County, TN | 20 | Not published | 0.0% |
| Sequatchie County, TN | 12 | Not published | 29.4% |
| Bledsoe County, TN | 8 | Under 10 loans | 11.1% |
| Marion County, TN | 7 | Under 10 loans | 30.0% |
| Knox County, TN | 5 | Under 10 loans | 0.0% |
| Grundy County, TN | 4 | Under 10 loans | 20.0% |
| Franklin County, TN | 3 | Under 10 loans | 0.0% |
| Jefferson County, TN | 2 | Under 10 loans | 0.0% |
| Rhea County, TN | 2 | Under 10 loans | 33.3% |
| Walker County, GA | 1 | Under 10 loans | 0.0% |
| Coffee County, TN | 1 | Under 10 loans | 0.0% |
| Roane County, TN | 1 | Under 10 loans | 0.0% |
| Sevier County, TN | 1 | Under 10 loans | 0.0% |
| Jackson County, AL | 0 | Under 10 loans | 100.0% |
| Bradley County, TN | 0 | Under 10 loans | Not published |
| Loudon County, TN | 0 | Under 10 loans | Not published |
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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.