# Willamette Valley Bank

> **Canonical URL:** https://saferate.com/lenders/willamette-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


Willamette Valley Bank is a bank, headquartered in Salem, OR, serving borrowers across 37 states, with 636 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 86% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300GS6ONO04ORI292
- **Headquarters:** Salem, OR
- **Geographic Reach:** Near-National
- **States Served:** 37
- **State List:** AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MI, MO, MS, MT, NC, ND, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 14/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.311%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,714
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 636
- **Dollar Volume:** $253 million
- **Applications Received:** 952
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $398,396
- **Average Borrower Income:** $144,447
- **Average Property Value:** $532,642

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 390 | +0.307% | $5,600 | Strong 😀 |
| FHA | 76/100 | 176 | +0.442% | $6,193 | Strong 😀 |
| VA | 72/100 | 56 | -0.153% | $5,015 | Strong 😀 |
| Jumbo | 64/100 | 13 | +0.553% | $9,760 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 331 loans, Score: 70/100 (Strong)
- Refinance: 59 loans, Score: 60/100 (Strong)

**FHA:**
- Purchase: 153 loans, Score: 75/100 (Strong)
- Refinance: 23 loans, Score: 46/100 (Sound)

**VA:**
- Purchase: 47 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 73/100 | 541 | $218M | +0.336% | Strong 😀 |
| Refinance | 66/100 | 95 | $36M | +0.165% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ID | 343 | 1.28% | 80/100 |
| OR | 170 | 0.40% | 75/100 |
| WA | 52 | 0.06% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Coeur d'Alene, ID | ID | 229 | 100/100 |
| Non |  | 112 | 55/100 |
| Medford, OR | OR | 82 | 80/100 |
| Portland | OR-WA | 38 | 56/100 |
| Boise City, ID | ID | 37 | 57/100 |
| Spokane | WA | 35 | 63/100 |
| Salem, OR | OR | 24 | 58/100 |

## Where This Lender Ranks

Willamette Valley Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Coeur d'Alene, ID for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Coeur d'Alene, ID for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Medford, OR for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/medford-or/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Coeur d'Alene, ID for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Coeur d'Alene, ID for Jumbo Loans
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Boise City, ID for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/boise-city-id/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Salem, OR for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Coeur d'Alene, ID Banks
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/banks)
- 🏆 **#6** in Medford, OR Banks
  - [View Full Rankings](https://saferate.com/medford-or/best-mortgage-lenders/banks)
- 🏆 **#6** in Boise City, ID for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/boise-city-id/best-mortgage-lenders/banks/va-loans)
- 🏆 **#7** in Medford, OR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/medford-or/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Salem, OR Banks
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/banks)
- 🏆 **#8** in Spokane for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#9** in Coeur d'Alene, ID for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Idaho for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#10** in Salem, OR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Idaho for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/banks/va-loans)
- 🏆 **#11** in Oregon for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#12** in Idaho for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#12** in Oregon for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/banks/va-loans)

## Frequently Asked Questions

### What loan types does Willamette Valley Bank offer?

Willamette Valley Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Willamette Valley Bank offer mortgages?

Willamette Valley Bank offers mortgages in 37 states: AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MI, MO, MS, MT, NC, ND, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY.

### How competitive are Willamette Valley Bank's mortgage rates?

Willamette Valley Bank has a pricing score of 14/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.311% above market average.

### What type of lender is Willamette Valley Bank?

Willamette Valley Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Salem, OR.

### What is Willamette Valley Bank's loan approval success rate?

Willamette Valley Bank has a pull-through score of 72/100 (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/willamette-valley-bank

### How to Cite

> "Willamette Valley Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/willamette-valley-bank

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