# THE VINTON COUNTY NATIONAL BANK

> **Canonical URL:** https://saferate.com/lenders/the-vinton-county-national-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 VINTON COUNTY NATIONAL BANK is a bank, headquartered in MC ARTHUR, OH, with 263 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 51% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 54930087JNDLPJWOLV11
- **Headquarters:** MC ARTHUR, OH
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** OH
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.175%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $551
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 263
- **Dollar Volume:** $76 million
- **Applications Received:** 334
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $290,399
- **Average Borrower Income:** $136,384
- **Average Property Value:** $411,084

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 256 | +0.177% | $551 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 218 loans, Score: 49/100 (Sound)
- Refinance: 38 loans, Score: 45/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 225 | $71M | +0.161% | Sound ☺️ |
| Refinance | 42/100 | 38 | $5M | +0.215% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 263 | 0.20% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Columbus, OH | OH | 145 | 78/100 |
| Non |  | 117 | 60/100 |

## Where This Lender Ranks

THE VINTON COUNTY NATIONAL BANK appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#18** in Columbus, OH Banks
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does THE VINTON COUNTY NATIONAL BANK offer?

THE VINTON COUNTY NATIONAL BANK offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does THE VINTON COUNTY NATIONAL BANK offer mortgages?

THE VINTON COUNTY NATIONAL BANK offers mortgages in 1 states: OH.

### How competitive are THE VINTON COUNTY NATIONAL BANK's mortgage rates?

THE VINTON COUNTY NATIONAL BANK has a pricing score of 49/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.175% above market average.

### What type of lender is THE VINTON COUNTY NATIONAL BANK?

THE VINTON COUNTY NATIONAL BANK is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in MC ARTHUR, OH.

### What is THE VINTON COUNTY NATIONAL BANK's loan approval success rate?

THE VINTON COUNTY NATIONAL BANK has a pull-through score of 62/100 (Strong). 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-vinton-county-national-bank

### How to Cite

> "THE VINTON COUNTY NATIONAL BANK Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-vinton-county-national-bank

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