Willamette Valley Bank in Washington vs the state
12.9%Denial rate-2.71 pts vs state
20.0%Decision denial rate+0.46 pts vs state
51.8%Origination rate-9.30 pts vs state
6.50%Median rate-0.13 pts vs state
0.26Rate spread (pts)+0.08 pts vs state
$92kMedian applicant income
44Loans originated
11Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 218 | 150 | 6.0% | 6.63% | #149 |
| 2024 | 113 | 65 | 8.0% | 6.50% | #217 |
| 2025 | 85 | 44 | 12.9% | 6.50% | #254 |
What Willamette Valley Bank lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Willamette Valley Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spokane County | 42 | 24 | 3 | 7.1% |
| Pend Oreille County | 12 | 5 | 1 | 8.3% |
| Cowlitz County | 6 | 0 | 1 | 16.7% |
| Grays Harbor County | 4 | 2 | 2 | 50.0% |
| Clark County | 3 | 3 | 0 | 0.0% |
| Stevens County | 3 | 2 | 1 | 33.3% |
| Thurston County | 3 | 0 | 1 | 33.3% |
| Asotin County | 2 | 2 | 0 | 0.0% |
| Benton County | 2 | 2 | 0 | 0.0% |
| Klickitat County | 1 | 0 | 0 | 0.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 85 applications in 2025, of which 44 were originated and 11 denied.
12.9% of all applications, or 20.0% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Willamette Valley Bank originated in Washington in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Willamette Valley Bank's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology