We analyzed every closed loan from Willamette Valley Bank — 636 loans across 952 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Near-National · 6 mkts
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($5,714)
Explore another lender or local market
Report Card
Willamette Valley Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+31.1 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 7 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 390 | 61.3% | +0.307%Above | $5,600Fees | ||||
FHA Loans | 176 | 27.7% | +0.442%Above | $6,193Fees | ||||
VA Loans | 56 | 8.8% | -0.153%Below | $5,015Fees | ||||
Jumbo Loans | — | 13 | 2.0% | +0.553%Above | $9,760Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume390
Mix61.3%
Spread
+0.307%Above
Fees
$5,600Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume176
Mix27.7%
Spread
+0.442%Above
Fees
$6,193Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume56
Mix8.8%
Spread
-0.153%Below
Fees
$5,015Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume13
Mix2.0%
Spread
+0.553%Above
Fees
$9,760Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 541 | 85.1% | +0.336%Above | $5,819Fees | ||||
Refinance | 95 | 14.9% | +0.165%Above | $5,112Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume541
Mix85.1%
Spread
+0.336%Above
Fees
$5,819Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume95
Mix14.9%
Spread
+0.165%Above
Fees
$5,112Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
636
Applications
952
Volume
$253 million
Pricing & Closing
Avg Rate Spread
+0.311%
vs. market APOR
Avg Net Fees
$5,714
Origination − Credits
Pullthrough Rate
66.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$398,396
Avg Borrower Income
$144,447
Avg Property Value
$532,642
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
37
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
37Northeast3
NYPAVT
Midwest10
IAILINKSMIMONDOHSDWI
South13
ALARFLGAKYLAMSNCOKSCTNTXVA
West11
AZCACOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 229Mix 36.01% of portfolio
100/100
Exceptional
Volume 82Mix 12.89% of portfolio
80/100
Strong
Volume 35Mix 5.50% of portfolio
63/100
Strong
Volume 24Mix 3.77% of portfolio
58/100
Sound
Volume 37Mix 5.82% of portfolio
57/100
Sound
Volume 38Mix 5.97% of portfolio
56/100
SoundTop States by Place Specialization Score
1
IdahoState
Volume 343Mix 53.93% of portfolio
80/100
Strong2
OregonState
Volume 170Mix 26.73% of portfolio
75/100
Strong3
WashingtonState
Volume 52Mix 8.18% of portfolio
58/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.