Willamette Valley Bank in Idaho vs the state
9.3%Denial rate-5.20 pts vs state
12.1%Decision denial rate-5.45 pts vs state
67.2%Origination rate+4.15 pts vs state
6.38%Median rate-0.25 pts vs state
0.24Rate spread (pts)+0.09 pts vs state
$114kMedian applicant income
356Loans originated
49Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 826 | 555 | 4.5% | 6.50% | #19 |
| 2024 | 584 | 404 | 4.1% | 6.63% | #29 |
| 2025 | 530 | 356 | 9.3% | 6.38% | #43 |
What Willamette Valley Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Willamette Valley Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kootenai County | 281 | 195 | 16 | 5.7% |
| Canyon County | 72 | 49 | 7 | 9.7% |
| Bonner County | 57 | 38 | 4 | 7.0% |
| Ada County | 48 | 30 | 6 | 12.5% |
| Shoshone County | 32 | 21 | 6 | 18.8% |
| Washington County | 7 | 3 | 4 | 57.1% |
| Gem County | 6 | 3 | 2 | 33.3% |
| Boundary County | 5 | 3 | 0 | 0.0% |
| Benewah County | 4 | 2 | 1 | 25.0% |
| Boise County | 3 | 2 | 1 | 33.3% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Idaho Central Credit Union | A | 15,644 | 16.5% | 7.00% |
| Rocket Mortgage | C | 4,391 | 13.3% | 6.63% |
| United Shore Financial Services | B | 3,943 | 9.1% | 6.12% |
| Premier Mortgage Resources | B | 2,504 | 2.7% | 6.25% |
| Mountain America Federal Credit Union | D | 2,323 | 37.7% | 7.24% |
| Guild Mortgage | A | 2,320 | 3.4% | 6.50% |
| U.S. Bank | D | 2,161 | 28.6% | 7.35% |
| Loandepot.Com | D | 1,622 | 14.2% | 6.50% |
| Glacier Bank | D | 1,507 | 14.5% | 6.88% |
| Pennymac Loan Services | C | 1,297 | 10.8% | 6.50% |
Frequently asked questions
Idaho: 530 applications in 2025, of which 356 were originated and 49 denied.
9.3% of all applications, or 12.1% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Willamette Valley Bank originated in Idaho in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Willamette Valley Bank's own HMDA filing for properties located in Idaho, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology