Willamette Valley Bank in Oregon vs the state
9.2%Denial rate-6.14 pts vs state
12.8%Decision denial rate-6.34 pts vs state
62.4%Origination rate+1.77 pts vs state
6.45%Median rate-0.30 pts vs state
0.25Rate spread (pts)-0.03 pts vs state
$103kMedian applicant income
136Loans originated
20Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 417 | 264 | 6.7% | 6.63% | #68 |
| 2024 | 278 | 194 | 6.5% | 6.63% | #89 |
| 2025 | 218 | 136 | 9.2% | 6.45% | #113 |
What Willamette Valley Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Willamette Valley Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 79 | 52 | 6 | 7.6% |
| Marion County | 42 | 27 | 4 | 9.5% |
| Clackamas County | 14 | 9 | 1 | 7.1% |
| Polk County | 13 | 10 | 0 | 0.0% |
| Washington County | 13 | 8 | 2 | 15.4% |
| Multnomah County | 11 | 4 | 3 | 27.3% |
| Josephine County | 9 | 3 | 0 | 0.0% |
| Coos County | 6 | 3 | 1 | 16.7% |
| Yamhill County | 4 | 2 | 2 | 50.0% |
| Linn County | 4 | 2 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 218 applications in 2025, of which 136 were originated and 20 denied.
9.2% of all applications, or 12.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Willamette Valley Bank originated in Oregon in 2025 was 6.45%, against a statewide median of 6.75%.
About this data. Figures are Willamette Valley Bank's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology