Willamette Valley Bank Mortgage Rates, Fees & Info

Salem, OR

LEI: 549300GS6ONO04ORI292

Tax ID: 93-1277376

2.1 stars - Updated: 5/20/24 - out of 5 stars, based on 33 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Willamette Valley Bank is a smaller bank specializing in Home Purchase loans. Willamette Valley Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Boise City, Portland, Medford, Salem, and Spokane among others. We have data for 116 markets. (Some data included below & more in-depth data is available with an active subscription.)

Willamette Valley Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Willamette Valley Bank is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.80% 5/20/24
30 Year Conventional Refi 6.67% 5/20/24
30 Year Cash-out Refi 6.91% 5/20/24
30 Year FHA Purchase 7.47% 5/20/24
30 Year FHA Refi 6.90% 5/20/24
30 Year VA Purchase 6.29% 5/20/24
30 Year VA Refi 6.50% 5/20/24
30 Year USDA Purchase 6.63% 5/20/24
15 Year Conventional Purchase 7.36% 5/20/24
15 Year Conventional Refi 6.26% 5/20/24
15 Year Cash-out Refi 6.26% 5/20/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Willamette Valley Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Willamette Valley Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,097

Origination Dollar Volume (All Markets)

$411,825,000

Awards

Willamette Valley Bank VA Loans bronze Willamette Valley Bank 30 Year Conventional Loans gold Willamette Valley Bank FHA Loans bronze
Show all (3) awards

Relative Rate

Willamette Valley Bank's average 30 year fixed mortgage rate was 6.55%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.07%.

Relative Fees (Closing Costs)

Willamette Valley Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $11,791.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Outside of Metro Areas 310 $120,930,000 $390,097 $11,071 6.56%
BOISE CITY, ID (FHA|USDA|VA) 115 $41,385,000 $359,870 $11,880 6.50%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 85 $38,235,000 $449,824 $11,145 6.57%
MEDFORD, OR (FHA|USDA|VA) 81 $28,565,000 $352,654 $11,057 6.69%
SALEM, OR (FHA|USDA|VA) 53 $25,585,000 $482,736 $12,292 6.91%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 62 $21,180,000 $341,613 $9,993 5.96%
Sandpoint, ID (FHA|USDA|VA) 59 $20,535,000 $348,051 $11,091 6.63%
Outside of Metro Areas 76 $19,390,000 $255,132 $9,016 6.86%
Roseburg, OR (FHA|USDA|VA) 11 $10,985,000 $998,636 $8,943 6.84%
GRANTS PASS, OR (FHA|USDA|VA) 31 $10,755,000 $346,935 $11,820 6.72%
BEND, OR (FHA|USDA|VA) 19 $8,935,000 $470,263 $14,789 6.51%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 13 $4,875,000 $375,000 $11,184 7.04%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 8 $4,530,000 $566,250 $17,826 6.59%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 8 $3,590,000 $448,750 $14,305 6.58%
LONGVIEW, WA (FHA|USDA|VA) 6 $3,020,000 $503,333 $17,034 5.90%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 4 $2,940,000 $735,000 $21,957 7.31%
ALBANY-LEBANON, OR (FHA|USDA|VA) 6 $2,230,000 $371,667 $13,584 6.33%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 6 $2,090,000 $348,333 $11,491 6.38%
Newport, OR (FHA|USDA|VA) 3 $1,605,000 $535,000 $8,801 7.54%
Coos Bay, OR (FHA|USDA|VA) 6 $1,520,000 $253,333 $11,749 6.58%
IDAHO FALLS, ID (FHA|USDA|VA) 4 $1,310,000 $327,500 $13,793 6.63%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $1,225,000 $408,333 $14,027 6.71%
Centralia, WA (FHA|USDA|VA) 4 $1,140,000 $285,000 $12,478 4.97%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $1,120,000 $560,000 $12,085 6.88%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $995,000 $331,667 $16,873 6.71%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $990,000 $495,000 $13,120 6.38%
Mountain Home, ID (FHA|USDA|VA) 3 $955,000 $318,333 $17,586 6.04%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $870,000 $435,000 $11,505 6.88%
Klamath Falls, OR (FHA|USDA|VA) 3 $845,000 $281,667 $10,889 6.04%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $840,000 $420,000 $11,972 6.31%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $840,000 $420,000 $14,855 6.06%
CORVALLIS, OR (FHA|USDA|VA) 2 $780,000 $390,000 $17,449 6.38%
Ellensburg, WA (FHA|USDA|VA) 1 $755,000 $755,000 $14,817 7.88%
TWIN FALLS, ID (FHA|USDA|VA) 3 $745,000 $248,333 $8,450 7.63%
SANTA FE, NM (FHA|USDA|VA) 1 $695,000 $695,000 $21,331 7.13%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $695,000 $695,000 $23,861 7.50%
Kalispell, MT (FHA|USDA|VA) 1 $685,000 $685,000 $19,989 7.00%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $625,000 $625,000 $15,535 7.13%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $610,000 $305,000 $11,635 6.56%
ANCHORAGE, AK (FHA|USDA|VA) 3 $605,000 $201,667 $4,882 6.46%
CHICO, CA (FHA|USDA|VA) 1 $595,000 $595,000 $14,467 5.88%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $595,000 $595,000 $13,162 6.25%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $590,000 $295,000 $11,895 6.44%
LOGAN, UT-ID (FHA|USDA|VA) 3 $565,000 $188,333 $8,899 6.50%
Cedar City, UT (FHA|USDA|VA) 1 $565,000 $565,000 $19,281 6.88%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $550,000 $275,000 $8,208 7.06%
Heber, UT (FHA|USDA|VA) 1 $545,000 $545,000 $16,311 7.88%
BILLINGS, MT (FHA|USDA|VA) 1 $515,000 $515,000 $9,321 6.38%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $515,000 $515,000 $9,511 6.00%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $510,000 $255,000 $16,159 6.75%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $490,000 $245,000 $9,910 6.69%
Statesboro, GA (FHA|USDA|VA) 2 $470,000 $235,000 $7,001 6.44%
Ontario, OR-ID (FHA|USDA|VA) 2 $450,000 $225,000 $9,448 6.50%
SAVANNAH, GA (FHA|USDA|VA) 1 $435,000 $435,000 $12,852 6.63%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $405,000 $405,000 $19,895 5.75%
FARGO, ND-MN (FHA|USDA|VA) 1 $395,000 $395,000 $9,223 6.50%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $385,000 $385,000 $16,083 6.00%
STOCKTON, CA (FHA|USDA|VA) 2 $380,000 $190,000 $12,516 6.75%
Prineville, OR (FHA|USDA|VA) 1 $375,000 $375,000 $7,759 6.38%
Paducah, KY-IL (FHA|USDA|VA) 1 $375,000 $375,000 $15,122 7.50%
Helena, MT (FHA|USDA|VA) 1 $375,000 $375,000 $18,890 6.13%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $375,000 $375,000 $13,668 6.25%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $375,000 $125,000 $9,090 7.13%
Payson, AZ (FHA|USDA|VA) 1 $355,000 $355,000 $7,968 6.38%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $335,000 $335,000 $10,181 6.63%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $325,000 $325,000 $14,722 7.00%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $315,000 $315,000 $15,450 6.25%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $315,000 $315,000 $15,246 6.25%
TUCSON, AZ (FHA|USDA|VA) 1 $315,000 $315,000 $17,217 6.25%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $315,000 $315,000 $8,228 6.50%
THE VILLAGES, FL (FHA|USDA|VA) 1 $295,000 $295,000 $10,368 6.25%
TULSA, OK (FHA|USDA|VA) 1 $275,000 $275,000 $15,200 6.25%
Aberdeen, WA (FHA|USDA|VA) 1 $265,000 $265,000 $13,903 6.75%
FORT WAYNE, IN (FHA|USDA|VA) 1 $265,000 $265,000 $5,290 7.00%
RICHMOND, VA (FHA|USDA|VA) 1 $255,000 $255,000 $13,178 6.63%
KNOXVILLE, TN (FHA|USDA|VA) 1 $255,000 $255,000 $3,878 7.38%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $255,000 $255,000 $10,101 7.13%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $255,000 $255,000 $7,902 7.13%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $245,000 $245,000 $11,677 5.63%
CASPER, WY (FHA|USDA|VA) 1 $235,000 $235,000 $631 7.25%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $6,243 6.63%
Madison, IN (FHA|USDA|VA) 1 $235,000 $235,000 $10,229 6.25%
MADERA, CA (FHA|USDA|VA) 1 $235,000 $235,000 $10,925 6.25%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $225,000 $225,000 $4,598 6.38%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $225,000 $225,000 $6,253 7.13%
POCATELLO, ID (FHA|USDA|VA) 1 $215,000 $215,000 $537 6.38%
JACKSON, MS (FHA|USDA|VA) 4 $210,000 $52,500 $4,015 7.63%
GREAT FALLS, MT (FHA|USDA|VA) 1 $205,000 $205,000 $0 7.63%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $205,000 $205,000 $7,787 5.88%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $185,000 $185,000 $2,022 6.25%
WHEELING, WV-OH (FHA|USDA|VA) 1 $185,000 $185,000 $3,947 7.63%
MIDLAND, MI (FHA|USDA|VA) 1 $185,000 $185,000 $10,538 5.75%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $185,000 $185,000 $10,352 6.25%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $185,000 $185,000 $12,192 7.00%
Escanaba, MI (FHA|USDA|VA) 1 $185,000 $185,000 $690 6.63%
RAPID CITY, SD (FHA|USDA|VA) 1 $185,000 $185,000 $13,555 6.13%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $175,000 $175,000 $5,957 5.88%
Moses Lake, WA (FHA|USDA|VA) 1 $175,000 $175,000 $10,873 6.75%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $175,000 $175,000 $9,589 6.63%
MOBILE, AL (FHA|USDA|VA) 1 $165,000 $165,000 $9,375 5.75%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $165,000 $165,000 $8,787 6.75%
COLUMBIA, SC (FHA|USDA|VA) 1 $165,000 $165,000 $10,022 6.75%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.00%
PITTSBURGH, PA (FHA|USDA|VA) 1 $155,000 $155,000 $9,544 5.75%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $145,000 $145,000 $9,427 6.25%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $135,000 $135,000 $8,692 6.50%
North Vernon, IN (FHA|USDA|VA) 1 $135,000 $135,000 $7,066 7.25%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $135,000 $135,000 $6,650 7.38%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $125,000 $125,000 $7,373 6.50%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.63%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $105,000 $105,000 $3,410 6.38%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $105,000 $105,000 $4,573 6.13%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $105,000 $105,000 $3,215 7.50%
Van Wert, OH (FHA|USDA|VA) 1 $85,000 $85,000 $6,552 6.25%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $75,000 $75,000 $6,944 6.13%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $45,000 $45,000 $2,990 7.00%
Willamette Valley Bank's top markets include Boise City, Portland, Medford, Salem, and Spokane among others.

Their top states include:
  • Idaho (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 744 $278,690,000 $374,583 $9,480 6.69%
    FHA 243 $86,505,000 $355,988 $16,315 6.38%
    VA 107 $45,855,000 $428,551 $11,387 6.37%
    USDA 3 $775,000 $258,333 $11,282 6.29%

    For 2023, Willamette Valley Bank's most frequently originated type of loan was Conventional, with 744 originations. Their 2nd most popular type was FHA, with 243 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 929 $358,375,000 $385,764 $11,049 6.60%
    Cash Out Refi 132 $42,410,000 $321,288 $12,555 6.55%
    Refi 23 $7,865,000 $341,957 $11,038 6.29%
    Home Improvement 13 $3,175,000 $244,231 $10,548 6.52%

    For 2023, Willamette Valley Bank's most frequently cited loan purpose was Home Purchase, with 929 originations. The 2nd most popular reason was Cash Out Refi, with 132 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,017 $384,565,000 $378,137 $11,791 6.55%
    15 Year 52 $4,160,000 $80,000 $2,013 7.53%
    Other 14 $13,530,000 $966,429 $3,569 5.13%
    10 Year 9 $8,905,000 $989,444 $0 7.37%
    20 Year 5 $665,000 $133,000 $6,175 6.78%

    For 2023, Willamette Valley Bank's most frequently cited loan duration was 30 Year, with 1,017 originations. The 2nd most popular length was 15 Year, with 52 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 767 $318,445,000 $415,183
    $4k-5k 86 $24,420,000 $283,953
    $<1k 74 $8,530,000 $115,270
    $3k-4k 71 $16,425,000 $231,338
    $1k-2k 43 $14,015,000 $325,930
    $2k-3k 42 $8,310,000 $197,857

    Willamette Valley Bank's average total fees were $11,791, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 767 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 597 $215,215,000 $360,494
    7-8% 252 $97,770,000 $387,976
    5-6% 199 $73,815,000 $370,930
    Over 8% 37 $22,885,000 $618,514
    <2.5% 9 $125,000 $13,889
    4-5% 3 $2,015,000 $671,667

    During 2023, Willamette Valley Bank's average interest rate for loans was 6.55%, while their most frequently originated rate bucket for loans was 6-7%, with 597 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 519 $159,425,000 $307,177 $10,795 6.56%
    $400k-600k 295 $140,705,000 $476,966 $14,136 6.60%
    $600k-1MM 98 $68,270,000 $696,633 $15,683 6.75%
    $100k-200k 97 $15,055,000 $155,206 $6,570 6.43%
    $100,000 or less 76 $2,360,000 $31,053 $1,410 6.59%
    $1MM+ 12 $26,010,000 $2,167,500 $27,113 7.23%

    2023 saw Willamette Valley Bank place emphasis on $200k-400k loans with 519 originations, totaling $159,425,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 322 $120,610,000 $374,565 $11,633 6.58%
    $75k-100k 233 $72,805,000 $312,468 $11,153 6.47%
    $50k-75k 200 $51,680,000 $258,400 $9,350 6.42%
    $150k-250k 183 $86,455,000 $472,432 $12,577 6.78%
    $250k+ 80 $46,420,000 $580,250 $14,486 6.91%
    $50k or less 62 $10,600,000 $170,968 $7,168 6.29%

    Willamette Valley Bank lent most frequently to those with incomes in the $100k-150k range, with 322 originations. The second most popular income band? $75k-100k, with 233 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 165 $55,205,000 $334,576 $12,506 6.46%
    30-36% 139 $53,665,000 $386,079 $10,842 6.64%
    20-30% 93 $34,135,000 $367,043 $9,799 6.56%
    49% 87 $30,155,000 $346,609 $11,219 6.45%
    44% 72 $27,250,000 $378,472 $11,763 6.76%
    48% 63 $22,265,000 $353,413 $11,938 6.55%
    43% 61 $21,415,000 $351,066 $10,175 6.56%
    46% 53 $20,705,000 $390,660 $12,428 6.85%
    45% 48 $18,350,000 $382,292 $11,560 6.55%
    47% 46 $16,440,000 $357,391 $10,762 6.62%
    42% 35 $12,945,000 $369,857 $11,148 6.39%
    40% 35 $12,075,000 $345,000 $10,479 6.65%
    38% 34 $12,290,000 $361,471 $12,157 6.53%
    39% 33 $13,365,000 $405,000 $11,701 6.67%
    37% 30 $8,360,000 $278,667 $8,742 6.49%
    41% 29 $10,375,000 $357,759 $10,892 6.56%
    <20% 27 $6,905,000 $255,741 $8,788 6.43%
    36% 25 $9,805,000 $392,200 $11,365 6.63%
    >60% 9 $4,895,000 $543,889 $12,798 6.39%

    Willamette Valley Bank lent most frequently to those with DTI ratios of 50-60%, with 165 originations. The next most common DTI ratio? 30-36%, with 139 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 767 $269,955,000 $351,962 $11,007 6.57%
    Not provided 263 $98,845,000 $375,837 $11,686 6.53%
    Not applicable 13 $21,225,000 $1,632,692 $0 8.08%
    Asian 23 $10,585,000 $460,217 $11,973 6.90%
    Black 19 $7,475,000 $393,421 $12,330 6.61%
    American Indian 8 $2,370,000 $296,250 $9,665 6.88%
    Native Hawaiian or Islander 4 $1,370,000 $342,500 $14,421 6.50%

    Approval Rates

    Total approvals of all applications
    91.50%

    Willamette Valley Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    60.07%

    Willamette Valley Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,097 $411,825,000 $375,410

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,097 $411,825,000 $375,410

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 76 $17,500,000 $230,263 $7,118 6.47%
    40-60% 117 $52,725,000 $450,641 $9,314 6.64%
    60-80% 285 $112,395,000 $394,368 $11,975 6.73%
    80-100% 527 $215,465,000 $408,852 $12,724 6.53%
    Over 100% 22 $10,870,000 $494,091 $19,792 6.34%
    Under 20% 70 $2,870,000 $41,000 $1,423 6.54%