Timberland Bank mortgage approval rate & lending review
Timberland Bank decided 525 mortgage applications and funded 424 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Timberland Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Timberland Bank at a glance
Approval is 2.1 points below the 83.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 78% | 275 / 351 | 99% | $535K | 272 |
| Home improvement loans | 95% | 35 / 37 | 97% | $135K | 34 |
| Refinance | 86% | 31 / 36 | 100% | $255K | 31 |
| Investment property purchase | 85% | 53 / 62 | 100% | $465K | 53 |
Timberland Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 81% | $535K | 516 | 416 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Timberland Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Pierce County, WA | Mortgage lenders | 80% | 136 | 107 |
| Kitsap County, WA | Mortgage lenders | 78% | 68 | 53 |
| Thurston County, WA | Mortgage lenders | 91% | 54 | 48 |
| Pierce County, WA | Investment property purchase | 81% | 27 | 22 |
The county markets where Timberland Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Timberland Bank
What is Timberland Bank's mortgage approval rate?
Timberland Bank approved 81.5% of the 525 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.1 points below the 83.6% national rate for the same mix of loan types.
How often do borrowers take the loan Timberland Bank offers?
Borrowers accepted 99% of the loans Timberland Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Timberland Bank make?
The typical home purchase mortgage loan Timberland Bank made was $535K; across all loan types its typical loan ran from $135K to $535K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Timberland Bank lend?
Timberland Bank decided applications in 4 of the states Fat Boy Data covers, most of them in Washington, Arizona and Oregon.
Can I apply to Timberland Bank directly?
Yes. Timberland Bank is a bank or credit union with 24 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Timberland Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Timberland Bank treats applications, then get a rate quote from the lender.