Timberland Bank
Timberland Bank received 369 applications in 2025 and made 233 mortgages, in 31 counties across 4 states. The median rate its borrowers got was 8.000% on a median loan of $465,000. Of 283 decisions, 48 were denials — 17.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900MKY47WU65N1J56 |
|---|---|
| Applications received | 369 |
| Mortgages made | 233 |
| Denied | 48 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 86 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.2405 points |
| FDIC-insured bank | Yes: Timberland Bank, 24 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 148 | 8.000% | $505,000 | 19.9% |
| Refinancing | 30 | 6.563% | $490,000 | 3.2% |
| Cash-out refinancing | 14 | 7.000% | $250,000 | 26.3% |
| Other purposes | 41 | 8.000% | $145,000 | 10.6% |
Where Timberland Bank lends most
The 31 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Pierce County, WA | 61 | 8.000% | 19.5% |
| Thurston County, WA | 35 | 6.875% | 2.7% |
| Grays Harbor County, WA | 32 | 7.063% | 23.8% |
| Lewis County, WA | 27 | 8.000% | 22.9% |
| Mason County, WA | 19 | 8.000% | 0.0% |
| Kitsap County, WA | 17 | 8.000% | 15.0% |
| King County, WA | 11 | 8.000% | 26.7% |
| Snohomish County, WA | 7 | Under 10 loans | 12.5% |
| Cowlitz County, WA | 4 | Under 10 loans | 0.0% |
| Kittitas County, WA | 4 | Under 10 loans | 0.0% |
| Clallam County, WA | 3 | Under 10 loans | 25.0% |
| Clark County, WA | 2 | Under 10 loans | 50.0% |
| Whatcom County, WA | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Yamhill County, OR | 1 | Under 10 loans | 0.0% |
| Benton County, WA | 1 | Under 10 loans | 0.0% |
| Douglas County, WA | 1 | Under 10 loans | 0.0% |
| Jefferson County, WA | 1 | Under 10 loans | 0.0% |
| Okanogan County, WA | 1 | Under 10 loans | 0.0% |
| Pacific County, WA | 1 | Under 10 loans | 0.0% |
| Columbia County, OR | 0 | Under 10 loans | Not published |
| Chelan County, WA | 0 | Under 10 loans | 100.0% |
| Island County, WA | 0 | Under 10 loans | Not published |
| Klickitat County, WA | 0 | Under 10 loans | Not published |
| Skagit County, WA | 0 | Under 10 loans | Not published |
| Spokane County, WA | 0 | Under 10 loans | Not published |
| Stevens County, WA | 0 | Under 10 loans | Not published |
| Wahkiakum County, WA | 0 | Under 10 loans | 100.0% |
| Yakima County, WA | 0 | Under 10 loans | 100.0% |
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When Timberland 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.