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Willamette Valley Bank

Bank|Salem, OR|Near-National
Loans Originated
636
Applications
952
Volume
$253 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong

Pricing and Pullthrough Overview

Average Rate Spread
+0.311%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$5,714
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
66.8%
Percentage of applications that result in closed loans

Safe Rate's 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)

Report Card

Willamette Valley Bank performance at a glance

CategoryRatingGradeDetails
Pricing
Rate competitiveness
MediocreBelow peers
Pull Through
Closing Strength
StrongHighly Competitive
Products
Loan Type Specialists
Specialization score by loan product
Conventional
StrongHighly Competitive
FHA
StrongHighly Competitive
VA
StrongHighly Competitive
Jumbo
StrongHighly Competitive
Purpose
Reason specialization
Specialization score by loan purpose
Purchase
StrongHighly Competitive
Refinance
StrongHighly Competitive
Places
Geographic coverage
StrongNear-National · 7 metro areas · 37 states
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)

Typical Borrower Profile

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

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Strong
Mediocre
Strong
39061.3%+0.307%$5,600
FHA Loans
Sound
Strong
Mediocre
Strong
17627.7%+0.442%$6,193
VA Loans
Sound
Strong
Mediocre
Strong
568.8%-0.153%$5,015
Jumbo Loans
Strong
Strong
N/A
Strong
132.0%+0.553%$9,760

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Strong
Mediocre
Strong
54185.1%+0.336%$5,819
Refinance
Acceptable
Strong
Mediocre
Sound
9514.9%+0.165%$5,112

Geographic Coverage

Metro Areas
6
States Served
37
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

ALARAZCACOFLGAIAIDILINKSKYLAMIMOMSMTNCNDNMNVNYOHOKORPASCSDTNTXUTVAVTWAWIWY

Top Metro Areas by Place Specialization Score

1
Coeur d'Alene, ID, IDMSA
Volume: 229Mix: 36.01%
Place Specialization
Exceptional
2
Medford, OR, ORMSA
Volume: 82Mix: 12.89%
Place Specialization
Strong
3
Spokane, WAMSA
Volume: 35Mix: 5.50%
Place Specialization
Strong
4
Salem, OR, ORMSA
Volume: 24Mix: 3.77%
Place Specialization
Sound
5
Boise City, ID, IDMSA
Volume: 37Mix: 5.82%
Place Specialization
Sound
6
Portland, OR-WAMSA
Volume: 38Mix: 5.97%
Place Specialization
Sound

Top States by Place Specialization Score

1
IDState
Volume: 343Mix: 53.93%
Place Specialization
Strong
2
ORState
Volume: 170Mix: 26.73%
Place Specialization
Strong
3
WAState
Volume: 52Mix: 8.18%
Place Specialization
Sound

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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