Valley Central Bank
Valley Central Bank received 86 applications in 2025 and made 74 mortgages, in 13 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $220,000. Of 78 decisions, 4 were denials — 5.1%.
| Legal Entity Identifier | 549300KL7MLR63WYCF68 |
|---|---|
| Applications received | 86 |
| Mortgages made | 74 |
| Denied | 4 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Valley Central Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 55 | Not published | $245,000 | 5.2% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Other purposes | 10 | Not published | $80,000 | 0.0% |
Where Valley Central Bank lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Butler County, OH | 24 | Not published | 4.0% |
| Hamilton County, OH | 21 | Not published | 0.0% |
| Warren County, OH | 12 | Not published | 0.0% |
| Clermont County, OH | 5 | Under 10 loans | 16.7% |
| Montgomery County, OH | 3 | Under 10 loans | 25.0% |
| Kenton County, KY | 2 | Under 10 loans | 33.3% |
| Lucas County, OH | 2 | Under 10 loans | 0.0% |
| Campbell County, KY | 1 | Under 10 loans | 0.0% |
| Monroe County, MI | 1 | Under 10 loans | 0.0% |
| Brown County, OH | 1 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 1 | Under 10 loans | 0.0% |
| Franklin County, OH | 1 | Under 10 loans | 0.0% |
| Preble County, OH | 0 | Under 10 loans | Not published |
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When Valley Central 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.