At a glance
From its website, read 2 Nov 2026Mountain Valley Bank is a bank or thrift based in Dunlap, Tennessee. Its website describes farm loans, auto loans, equipment loans and 3 other loan types.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (866) 928-4736 source |
|---|---|
| Main | (423) 949-2146 source |
| Website | www.mtnvalleybankonline.com |
| Office (official list) | 17114 Rankin Avenue North, Dunlap, TN 37327 |
What their website says about applying
Come in and speak with our local advisors to start your process today.
sourcePrint An Application
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 20 Jan 2026 |
| RSSD ID | 714437 |
| Address | 17114 Rankin Avenue North, Dunlap, TN 37327 Directions (Google Maps) |
| Website | www.mtnvalleybankonline.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan pages are thin and state no loan amounts or service area; the Print an Application links are not online applications. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Ask about our farm loan offerings and competitive rates | source |
| Auto / vehicle loans | — | 100% financing available | source |
| Equipment loans | — | Financing options available, based on your production needs | source |
| Home repair / improvement loans | — | Utilize your equity for home improvements | source |
| Home mortgages | — | Conventional fixed rate mortgages | source |
| Personal / consumer loans | — | With our personal loans, we can assist you by providing you funding for practically any situation. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Farmers / ranchers
our local farmers
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.mtnvalleybankonline.com/
- https://www.mtnvalleybankonline.com/lending/mortgages
- https://www.mtnvalleybankonline.com/lending/equipment
- https://www.mtnvalleybankonline.com/lending/auto-loans
- https://www.mtnvalleybankonline.com/lending/personal-loans
- https://www.mtnvalleybankonline.com/lending/home-equity-loans
- https://www.mtnvalleybankonline.com/lending/land
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and equipment loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$3.6 million in 5 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; Small Dollar Loan Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2022 | Small Dollar Loan Program | $208,379 |
| 2021 | Bank Enterprise Award Program | $170,699 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Mountain Valley Bank (FDIC cert 1705). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $254.6 million (as of 30 Jun 2026) |
|---|---|
| Offices | 7 (as of 30 Oct 2026) |
Offices by state and county (7)
Tennessee (7 offices)
- Hamilton County (1): 5942 Reagan Ln, Ooltewah 37363
- Marion County (4): 3325 Main St, Jasper 37347; 3365 Main St, Jasper 37347; 4785 Main St, Jasper 37347; 25 Dixie Lee Ave, Monteagle 37356
- Sequatchie County (2): 17114 Rankin Ave, Dunlap 37327 (main office); Highway 28 South At Cordell Lane, Dunlap 37327
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Mountain Valley Bank (RSSD 714437, FDIC cert 1705). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $201.6 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Down 2.8% from $207.4 million on 30 Jun 2025 |
| Total assets | $254.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $82.8 million | 41.0% |
| Home equity lines of credit | $3.2 million | 1.6% |
| Commercial real estate, construction and multifamily | $90.6 million | 44.9% |
| Commercial and industrial (business) loans | $18 million | 8.9% |
| Farmland and farm production loans | $2.5 million | 1.2% |
| Consumer loans (credit cards, auto, other) | $4.2 million | 2.1% |
| All other loans and leases | $761,000 | 0.4% |
Within consumer loans: auto loans $1 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 9 loans $529,000 | 80 loans $2.2 million |
| $100,001 to $250,000 | 17 loans $2.6 million | 10 loans $1.7 million |
| $250,001 to $1 million | 25 loans $10.7 million | 12 loans $6.8 million |
| All small business loans | 51 loans $13.8 million | 102 loans $10.7 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 5 loans $203,000 | 16 loans $303,000 |
| $100,001 to $250,000 | 1 loan $235,000 | none reported |
| $250,001 to $500,000 | none reported | none reported |
| All small farm loans | 6 loans $438,000 | 16 loans $303,000 |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Mountain Valley Bank reported 67 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $11.4M (median loan about $125,000). 35 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 35 | 52% |
| Refinance (incl. 9 cash-out) | 24 | 36% |
| Home improvement | 6 | 9.0% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 67 | 100% |
Included above: 4 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 13 counties with at least one; 99% of its 2025 loans were for properties in Tennessee:
- Hamilton County, TN (20)
- Sequatchie County, TN (12)
- Bledsoe County, TN (8)
- Marion County, TN (7)
- Knox County, TN (5)
- Grundy County, TN (4)
- Franklin County, TN (3)
Filed under LEI 549300VTVP64BKEO3L58 as “Mountain Valley Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $254.6 million | Larger than 29% of the 17 other certified banks and bank holding companies in Tennessee (median $367.8 million). |
| Loans as a share of assets | 79% | Median of the same 17 banks and bank holding companies: 71%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $207.4 million → $201.6 million (-3%) | Median change of 17 other certified banks and bank holding companies in Tennessee: +9%. Rank by loans held among these 18: 12 → 12. |
| Home loans originated in 2025 (HMDA) | 67 | More than 31% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Tennessee | 17 | larger than 29% |
| Loans held then vs now | certified banks and bank holding companies in Tennessee reporting both dates | 17 | rank 12 → 12 of 18 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 31% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 1 SBA-backed approval for Mountain Valley Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 1 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 0 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 1 · FY2025 0 · FY2026 0.
By program
- 504 projects (as the third-party lender) (1, 100%)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Mountain Valley Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Mountain Valley Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Dunlap and Tennessee
- Sequatchie County Bancorp, Inc.Bank holding company · Dunlap, TNOfficial list only
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
Work at Mountain Valley Bank? Link to this page
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