Willamette Valley Bank mortgage approval rate & lending review
Willamette Valley Bank decided 2,096 mortgage applications and funded 1,853 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Willamette Valley Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Willamette Valley Bank at a glance
Approval is 5.6 points above the 83.8% 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 | 95% | 1,449 / 1,523 | 99% | $405K | 1,435 |
| Cash-out refinance | 64% | 183 / 285 | 97% | $295K | 178 |
| Refinance | 80% | 74 / 92 | 100% | $415K | 74 |
| Investment property purchase | 93% | 112 / 120 | 99% | $335K | 111 |
| Investment cash-out refinance | 75% | 27 / 36 | 100% | $215K | 27 |
Willamette Valley Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Idaho | 93% | $405K | 1,097 | 1,005 |
| Oregon | 89% | $345K | 523 | 465 |
| Washington | 89% | $345K | 236 | 211 |
| Florida | 62% | $305K | 32 | 19 |
| Arizona | 74% | $335K | 23 | 17 |
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 Willamette Valley Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kootenai County, ID | Mortgage lenders | 97% | 648 | 620 |
| Jackson County, OR | Mortgage lenders | 96% | 196 | 188 |
| Spokane County, WA | Mortgage lenders | 94% | 108 | 101 |
| Canyon County, ID | Mortgage lenders | 93% | 107 | 99 |
| Ada County, ID | Mortgage lenders | 94% | 85 | 79 |
| Marion County, OR | Mortgage lenders | 95% | 63 | 57 |
| Kootenai County, ID | Cash-out refinance | 83% | 69 | 54 |
| Kootenai County, ID | Investment property purchase | 100% | 52 | 52 |
| Kootenai County, ID | Refinance | 82% | 33 | 27 |
| Canyon County, ID | Cash-out refinance | 91% | 22 | 20 |
The county markets where Willamette Valley Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Willamette Valley Bank
What is Willamette Valley Bank's mortgage approval rate?
Willamette Valley Bank approved 89.4% of the 2,096 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.6 points above the 83.8% national rate for the same mix of loan types.
How often do borrowers take the loan Willamette Valley Bank offers?
Borrowers accepted 99% of the loans Willamette Valley 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 Willamette Valley Bank make?
The typical home purchase mortgage loan Willamette Valley Bank made was $405K; across all loan types its typical loan ran from $215K to $415K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Willamette Valley Bank lend?
Willamette Valley Bank decided applications in 40 of the states Fat Boy Data covers, most of them in Idaho, Oregon and Washington.
Can I apply to Willamette Valley Bank directly?
Yes. Willamette Valley Bank is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Willamette Valley 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 Willamette Valley Bank treats applications, then get a rate quote from the lender.