Willamette Valley Bank
Willamette Valley Bank received 917 applications in 2025 and made 584 mortgages, in 122 counties across 31 states. The median rate its borrowers got was 6.375% on a median loan of $365,000. Of 679 decisions, 94 were denials — 13.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300GS6ONO04ORI292 |
|---|---|
| Applications received | 917 |
| Mortgages made | 584 |
| Denied | 94 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 238 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2485 points |
| FDIC-insured bank | Yes: Willamette Valley Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 453 | 6.490% | $375,000 | 6.8% |
| Refinancing | 46 | 6.125% | $410,000 | 33.3% |
| Cash-out refinancing | 82 | 6.490% | $295,000 | 29.1% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 57.1% |
Where Willamette Valley Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kootenai County, ID | 195 | 6.375% | 7.6% |
| Jackson County, OR | 52 | 6.250% | 10.3% |
| Canyon County, ID | 49 | 6.250% | 12.5% |
| Bonner County, ID | 38 | 6.313% | 9.5% |
| Ada County, ID | 30 | 6.433% | 16.2% |
| Marion County, OR | 27 | 6.750% | 12.9% |
| Spokane County, WA | 24 | 6.490% | 11.1% |
| Shoshone County, ID | 21 | 6.375% | 22.2% |
| Polk County, OR | 10 | 6.470% | 0.0% |
| Clackamas County, OR | 9 | Under 10 loans | 10.0% |
| Washington County, OR | 8 | Under 10 loans | 20.0% |
| Lincoln County, MT | 6 | Under 10 loans | 33.3% |
| Pend Oreille County, WA | 5 | Under 10 loans | 16.7% |
| Douglas County, OR | 4 | Under 10 loans | 0.0% |
| Multnomah County, OR | 4 | Under 10 loans | 42.9% |
| Boundary County, ID | 3 | Under 10 loans | 0.0% |
| Gem County, ID | 3 | Under 10 loans | 40.0% |
| Washington County, ID | 3 | Under 10 loans | 57.1% |
| Coos County, OR | 3 | Under 10 loans | 25.0% |
| Josephine County, OR | 3 | Under 10 loans | 0.0% |
| Lincoln County, OR | 3 | Under 10 loans | 0.0% |
| Clark County, WA | 3 | Under 10 loans | 0.0% |
| Matanuska-Susitna Borough, AK | 2 | Under 10 loans | 0.0% |
| Benewah County, ID | 2 | Under 10 loans | 33.3% |
| Boise County, ID | 2 | Under 10 loans | 33.3% |
| Owyhee County, ID | 2 | Under 10 loans | 0.0% |
| Williams County, ND | 2 | Under 10 loans | 0.0% |
| Lane County, OR | 2 | Under 10 loans | 0.0% |
| Linn County, OR | 2 | Under 10 loans | 0.0% |
| Yamhill County, OR | 2 | Under 10 loans | 50.0% |
| Asotin County, WA | 2 | Under 10 loans | 0.0% |
| Benton County, WA | 2 | Under 10 loans | 0.0% |
| Grays Harbor County, WA | 2 | Under 10 loans | 50.0% |
| Stevens County, WA | 2 | Under 10 loans | 33.3% |
| Coffee County, AL | 1 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| Faulkner County, AR | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 0.0% |
| Monterey County, CA | 1 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 1 | Under 10 loans | 0.0% |
| Tehama County, CA | 1 | Under 10 loans | 0.0% |
| El Paso County, CO | 1 | Under 10 loans | 0.0% |
| Jefferson County, CO | 1 | Under 10 loans | 0.0% |
| Flagler County, FL | 1 | Under 10 loans | 0.0% |
| Pasco County, FL | 1 | Under 10 loans | 0.0% |
| Santa Rosa County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Hawaii County, HI | 1 | Under 10 loans | 0.0% |
| Bannock County, ID | 1 | Under 10 loans | 0.0% |
| Bonneville County, ID | 1 | Under 10 loans | 0.0% |
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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.