Willamette Valley Bank in Florida vs the state
33.3%Denial rate+12.27 pts vs state
33.3%Decision denial rate+6.09 pts vs state
66.7%Origination rate+13.98 pts vs state
6.87%Median rate+0.25 pts vs state
0.80Rate spread (pts)+0.53 pts vs state
$104kMedian applicant income
4Loans originated
2Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 35 | 9 | 25.7% | 6.63% | #707 |
| 2024 | 9 | 6 | 11.1% | 6.75% | #945 |
| 2025 | 6 | 4 | 33.3% | 6.87% | #1,041 |
What Willamette Valley Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Willamette Valley Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sarasota County | 1 | 1 | 0 | 0.0% |
| Flagler County | 1 | 1 | 0 | 0.0% |
| Santa Rosa County | 1 | 1 | 0 | 0.0% |
| Polk County | 1 | 0 | 1 | 100.0% |
| Pasco County | 1 | 1 | 0 | 0.0% |
| Brevard County | 1 | 0 | 1 | 100.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 6 applications in 2025, of which 4 were originated and 2 denied.
33.3% of all applications, or 33.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Willamette Valley Bank originated in Florida in 2025 was 6.87%, against a statewide median of 6.63%.
About this data. Figures are Willamette Valley Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology