# The Ohio Valley Bank Company

> **Canonical URL:** https://saferate.com/lenders/the-ohio-valley-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


The Ohio Valley Bank Company is a bank, headquartered in Gallipolis, OH, serving borrowers across 5 states, with 199 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 35% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 50% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300JQGT4VX22XJ495
- **Headquarters:** Gallipolis, OH
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** KY, NC, OH, SC, WV
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.606%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $761
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 199
- **Dollar Volume:** $54 million
- **Applications Received:** 230
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $272,136
- **Average Borrower Income:** $145,477
- **Average Property Value:** $342,387

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 196 | -0.603% | $747 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 168 loans, Score: 60/100 (Sound)
- Refinance: 28 loans, Score: 36/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 56/100 | 171 | $50M | -0.697% | Sound ☺️ |
| Refinance | 33/100 | 28 | $4M | -0.145% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 108 | 0.08% | 67/100 |
| WV | 86 | 0.56% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 112 | 61/100 |
| Huntington |  | 76 | 80/100 |

## Where This Lender Ranks

The Ohio Valley Bank Company appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Huntington Banks
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/banks)
- 🏆 **#9** in Huntington for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in Huntington
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders)
- 🏆 **#16** in West Virginia Banks
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/banks)
- 🏆 **#17** in Huntington for Conventional Loans
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/conventional-loans)
- 🏆 **#18** in West Virginia for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 65/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.606% below market average.

### What type of lender is The Ohio Valley Bank Company?

The Ohio Valley Bank Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Gallipolis, OH.

### What is The Ohio Valley Bank Company's loan approval success rate?

The Ohio Valley Bank Company has a pull-through score of 50/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/the-ohio-valley-bank

### How to Cite

> "The Ohio Valley Bank Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-ohio-valley-bank

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