Willamette Valley Bank Mortgage Rates, Fees & Info

Salem, OR

LEI: 549300GS6ONO04ORI292

Tax ID: 93-1277376

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 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, Spokane, and Salem among others. We have data for 111 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 an average 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 about average 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%	11/21/24
30 Year Conventional Refi	6.67%	11/21/24
30 Year Cash-out Refi	6.91%	11/21/24
30 Year FHA Purchase	7.47%	11/21/24
30 Year FHA Refi	6.90%	11/21/24
30 Year VA Purchase	6.29%	11/21/24
30 Year VA Refi	6.50%	11/21/24
30 Year USDA Purchase	6.63%	11/21/24
15 Year Conventional Purchase	7.36%	11/21/24
15 Year Conventional Refi	6.26%	11/21/24
15 Year Cash-out Refi	6.26%	11/21/24
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

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

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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

3,134

Origination Dollar Volume (All Markets)

$736,180,000

Employee count

171

Awards

Willamette Valley Bank 30 Year Conventional Loans bronze

Willamette Valley Bank 30 Year Conventional Loans silver

Show all (5) awards

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	935	$219,465,000	$234,722	$5,191	4.88%
BOISE CITY, ID (FHA\|USDA\|VA)	597	$119,855,000	$200,762	$5,791	5.00%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	327	$99,285,000	$303,624	$6,333	4.84%
MEDFORD, OR (FHA\|USDA\|VA)	206	$49,000,000	$237,864	$5,364	4.89%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	220	$47,370,000	$215,318	$4,982	4.84%
SALEM, OR (FHA\|USDA\|VA)	120	$30,910,000	$257,583	$5,997	4.96%
GRANTS PASS, OR (FHA\|USDA\|VA)	113	$28,595,000	$253,053	$4,999	4.97%
Sandpoint, ID (FHA\|USDA\|VA)	121	$26,795,000	$221,446	$5,323	4.88%
Outside of Metro Areas	119	$20,545,000	$172,647	$4,397	4.92%
BEND, OR (FHA\|USDA\|VA)	60	$17,100,000	$285,000	$6,287	4.99%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	39	$10,825,000	$277,564	$4,571	4.84%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	22	$7,000,000	$318,182	$5,710	4.82%
LONGVIEW, WA (FHA\|USDA\|VA)	26	$6,150,000	$236,538	$6,281	5.02%
ALBANY-LEBANON, OR (FHA\|USDA\|VA)	20	$5,200,000	$260,000	$6,520	5.12%
Ontario, OR-ID (FHA\|USDA\|VA)	13	$2,115,000	$162,692	$4,895	4.95%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	6	$1,720,000	$286,667	$5,088	4.98%
OLYMPIA-LACEY-TUMWATER, WA (FHA\|USDA\|VA)	5	$1,705,000	$341,000	$3,426	4.83%
Roseburg, OR (FHA\|USDA\|VA)	9	$1,675,000	$186,111	$5,124	4.83%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	5	$1,675,000	$335,000	$5,564	5.13%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	8	$1,660,000	$207,500	$5,865	4.88%
Klamath Falls, OR (FHA\|USDA\|VA)	6	$1,580,000	$263,333	$6,605	5.29%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	5	$1,525,000	$305,000	$8,547	5.08%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	4	$1,360,000	$340,000	$6,282	4.88%
Mountain Home, ID (FHA\|USDA\|VA)	9	$1,315,000	$146,111	$5,328	5.05%
YAKIMA, WA (FHA\|USDA\|VA)	5	$1,205,000	$241,000	$3,679	4.90%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	3	$1,165,000	$388,333	$9,832	4.83%
Coos Bay, OR (FHA\|USDA\|VA)	4	$1,090,000	$272,500	$4,962	4.84%
WENATCHEE, WA (FHA\|USDA\|VA)	4	$1,020,000	$255,000	$5,728	4.78%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	4	$990,000	$247,500	$5,601	4.78%
Astoria, OR (FHA\|USDA\|VA)	3	$855,000	$285,000	$8,782	5.50%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	3	$765,000	$255,000	$6,419	4.92%
Newport, OR (FHA\|USDA\|VA)	4	$740,000	$185,000	$6,016	4.81%
MISSOULA, MT (FHA\|USDA\|VA)	3	$735,000	$245,000	$4,458	5.04%
Moses Lake, WA (FHA\|USDA\|VA)	3	$735,000	$245,000	$10,044	4.79%
STOCKTON, CA (FHA\|USDA\|VA)	2	$700,000	$350,000	$9,290	5.44%
Helena, MT (FHA\|USDA\|VA)	2	$680,000	$340,000	$5,264	4.81%
IDAHO FALLS, ID (FHA\|USDA\|VA)	3	$665,000	$221,667	$6,846	4.88%
Hailey, ID (FHA\|USDA\|VA)	2	$660,000	$330,000	$6,413	4.94%
Pullman, WA (FHA\|USDA\|VA)	4	$660,000	$165,000	$5,340	5.28%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	3	$645,000	$215,000	$7,078	4.38%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	2	$640,000	$320,000	$6,362	4.75%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	2	$610,000	$305,000	$5,082	4.81%
Kalispell, MT (FHA\|USDA\|VA)	2	$610,000	$305,000	$6,422	4.63%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	3	$575,000	$191,667	$4,731	4.58%
CORVALLIS, OR (FHA\|USDA\|VA)	2	$510,000	$255,000	$4,673	4.88%
TUCSON, AZ (FHA\|USDA\|VA)	2	$490,000	$245,000	$3,925	4.94%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	1	$455,000	$455,000	$4,250	4.88%
Hilo, HI (FHA\|USDA\|VA)	1	$455,000	$455,000	$4,768	5.38%
Prineville, OR (FHA\|USDA\|VA)	2	$450,000	$225,000	$4,014	5.25%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	3	$445,000	$148,333	$5,878	4.38%
Hood River, OR (FHA\|USDA\|VA)	1	$425,000	$425,000	$11,278	4.75%
Moscow, ID (FHA\|USDA\|VA)	3	$425,000	$141,667	$3,562	4.88%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	1	$405,000	$405,000	$11,541	5.13%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	1	$365,000	$365,000	$1,015	5.25%
VALLEJO, CA (FHA\|USDA\|VA)	1	$365,000	$365,000	$3,979	5.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	2	$350,000	$175,000	$2,917	5.25%
COLUMBUS, OH (FHA\|USDA\|VA)	1	$335,000	$335,000	$5,580	4.88%
Bozeman, MT (FHA\|USDA\|VA)	1	$325,000	$325,000	$5,106	4.75%
TWIN FALLS, ID (FHA\|USDA\|VA)	2	$320,000	$160,000	$4,217	5.31%
JACKSONVILLE, FL (FHA\|USDA\|VA)	1	$315,000	$315,000	$10,527	4.38%
LEWISTON, ID-WA (FHA\|USDA\|VA)	2	$310,000	$155,000	$5,788	5.00%
Centralia, WA (FHA\|USDA\|VA)	2	$310,000	$155,000	$5,413	4.44%
WORCESTER, MA-CT (FHA\|USDA\|VA)	1	$305,000	$305,000	$8,954	4.50%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	1	$305,000	$305,000	$2,838	5.63%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	1	$305,000	$305,000	$6,343	4.75%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	1	$305,000	$305,000	$2,910	5.13%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,555	4.75%
ANCHORAGE, AK (FHA\|USDA\|VA)	1	$295,000	$295,000	$5,371	5.38%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	1	$275,000	$275,000	$7,740	5.25%
The Dalles, OR (FHA\|USDA\|VA)	1	$275,000	$275,000	$10,462	5.13%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	1	$275,000	$275,000	$13,062	4.13%
Morehead City, NC (FHA\|USDA\|VA)	1	$265,000	$265,000	$8,633	5.75%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA\|USDA\|VA)	1	$245,000	$245,000	$3,505	5.25%
LINCOLN, NE (FHA\|USDA\|VA)	1	$235,000	$235,000	$7,113	4.88%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	1	$225,000	$225,000	$6,776	4.50%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	1	$225,000	$225,000	$421	4.75%
KANKAKEE, IL (FHA\|USDA\|VA)	1	$225,000	$225,000	$4,916	5.00%
LAWRENCE, KS (FHA\|USDA\|VA)	1	$215,000	$215,000	$4,269	4.63%
Port Angeles, WA (FHA\|USDA\|VA)	1	$215,000	$215,000	$2,955	4.50%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,376	4.88%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	1	$205,000	$205,000	$9,495	3.75%
Rexburg, ID (FHA\|USDA\|VA)	1	$185,000	$185,000	$4,403	4.63%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,055	5.13%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	1	$185,000	$185,000	$4,905	5.13%
Tahlequah, OK (FHA\|USDA\|VA)	1	$185,000	$185,000	$6,900	4.75%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	1	$185,000	$185,000	$6,964	5.13%
YUBA CITY, CA (FHA\|USDA\|VA)	1	$185,000	$185,000	$4,821	5.50%
APPLETON, WI (FHA\|USDA\|VA)	1	$175,000	$175,000	$5,998	4.50%
Williston, ND (FHA\|USDA\|VA)	1	$175,000	$175,000	$6,981	5.63%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	1	$175,000	$175,000	$6,418	4.25%
MADISON, WI (FHA\|USDA\|VA)	1	$175,000	$175,000	$6,755	5.50%
EL PASO, TX (FHA\|USDA\|VA)	1	$165,000	$165,000	$7,181	4.25%
Brookings, OR (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,866	4.75%
DOTHAN, AL (FHA\|USDA\|VA)	1	$155,000	$155,000	$6,040	4.75%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	1	$155,000	$155,000	$4,163	5.88%
GREEN BAY, WI (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,850	4.88%
AKRON, OH (FHA\|USDA\|VA)	1	$145,000	$145,000	$6,732	4.88%
PANAMA CITY, FL (FHA\|USDA\|VA)	1	$145,000	$145,000	$7,899	5.25%
Pahrump, NV (FHA\|USDA\|VA)	1	$125,000	$125,000	$2,665	4.75%
COLUMBUS, GA-AL (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,893	5.13%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,785	4.75%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,829	4.38%
Corning, NY (FHA\|USDA\|VA)	1	$95,000	$95,000	$5,549	4.75%
Berlin, NH (FHA\|USDA\|VA)	1	$95,000	$95,000	$3,216	5.25%
BAKERSFIELD, CA (FHA\|USDA\|VA)	1	$95,000	$95,000	$2,822	4.75%
BUFFALO-CHEEKTOWAGA, NY (FHA\|USDA\|VA)	1	$75,000	$75,000	$4,526	5.00%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	1	$75,000	$75,000	$2,945	5.88%
Coffeyville, KS (FHA\|USDA\|VA)	1	$65,000	$65,000	$2,683	4.88%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	1	$65,000	$65,000	$4,274	5.00%
Ottawa, IL (FHA\|USDA\|VA)	1	$65,000	$65,000	$931	4.50%
Alamogordo, NM (FHA\|USDA\|VA)	1	$45,000	$45,000	$2,977	5.00%

Willamette Valley Bank's top markets include Boise City, Portland, Medford, Spokane, and Salem among others.

Their top states include:

Idaho (FHA|USDA|VA)

Oregon (FHA|USDA|VA)

Washington (FHA|USDA|VA)

California (FHA|USDA|VA)

Montana (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against Willamette Valley Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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Yakima Federal Savings and Loan Association
Similarity Rank: 438

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	2,016	$470,080,000	$233,175	$4,223	4.99%
FHA	734	$162,820,000	$221,826	$8,189	4.78%
VA	327	$90,575,000	$276,988	$6,851	4.75%
USDA	57	$12,705,000	$222,895	$6,899	4.83%

For 2018, Willamette Valley Bank's most frequently originated type of loan was Conventional, with 2,016 originations. Their 2nd most popular type was FHA, with 734 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	2,644	$617,170,000	$233,423	$5,385	4.92%
Cash Out Refi	275	$67,115,000	$244,055	$6,143	4.96%
Refi	108	$27,150,000	$251,389	$4,745	4.70%
Home Improvement	107	$24,745,000	$231,262	$6,867	4.88%

For 2018, Willamette Valley Bank's most frequently cited loan purpose was Home Purchase, with 2,644 originations. The 2nd most popular reason was Cash Out Refi, with 275 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	2,910	$708,640,000	$243,519	$5,723	4.87%
10 Year	125	$5,805,000	$46,440	$279	6.12%
15 Year	62	$13,410,000	$216,290	$4,221	4.33%
20 Year	29	$6,025,000	$207,759	$4,655	4.73%
Other	5	$1,295,000	$259,000	$7,444	6.15%
5 Year	2	$580,000	$290,000	$5,912	5.86%
1 Year	1	$425,000	$425,000	$8,421	5.50%

For 2018, Willamette Valley Bank's most frequently cited loan duration was 30 Year, with 2,910 originations. The 2nd most popular length was 10 Year, with 125 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	1,492	$349,920,000	$234,531
$2k-3k	616	$145,840,000	$236,753
$3k-4k	399	$95,745,000	$239,962
$<1k	242	$34,960,000	$144,463
$4k-5k	223	$56,415,000	$252,982
$5k+	149	$46,835,000	$314,329

Willamette Valley Bank's average total fees were $5,723, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,492 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	2,056	$497,110,000	$241,785
5-6%	887	$212,835,000	$239,949
3-4%	104	$23,380,000	$224,808
6-7%	84	$2,840,000	$33,810
7-8%	3	$15,000	$5,000

During 2018, Willamette Valley Bank's average interest rate for loans was 4.87%, while their most frequently originated rate bucket for loans was 4-5%, with 2,056 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	1,798	$488,510,000	$271,696	$6,138	4.86%
$100k-200k	935	$149,115,000	$159,481	$4,859	4.86%
$100,000 or less	203	$7,625,000	$37,562	$1,546	5.66%
$400k-600k	191	$85,435,000	$447,304	$6,425	4.85%
$600k-1MM	6	$4,240,000	$706,667	$11,491	5.03%
$1MM+	1	$1,255,000	$1,255,000	$0	5.90%

2018 saw Willamette Valley Bank place emphasis on $200k-400k loans with 1,798 originations, totaling $488,510,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	972	$222,710,000	$229,126	$5,818	4.87%
$50k or less	657	$111,825,000	$170,205	$5,298	4.78%
$75k-100k	573	$150,895,000	$263,342	$5,970	4.87%
$100k-150k	515	$153,555,000	$298,165	$5,808	4.90%
$150k-250k	215	$67,435,000	$313,651	$5,361	4.94%
$250k+	53	$17,285,000	$326,132	$4,781	4.79%

Willamette Valley Bank lent most frequently to those with incomes in the $50k-75k range, with 972 originations. The second most popular income band? $50k or less, with 657 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
30-36%	424	$100,310,000	$236,580	$5,202	4.86%
20-30%	353	$83,215,000	$235,737	$4,627	4.82%
50-60%	333	$81,845,000	$245,781	$7,793	4.78%
49%	181	$46,375,000	$256,215	$5,839	4.85%
44%	162	$38,370,000	$236,852	$5,380	4.90%
48%	151	$37,345,000	$247,318	$6,352	4.89%
43%	146	$37,630,000	$257,740	$5,816	4.93%
46%	130	$32,260,000	$248,154	$6,300	4.89%
38%	126	$30,050,000	$238,492	$5,382	4.88%
45%	122	$29,030,000	$237,951	$5,576	4.87%
42%	121	$32,635,000	$269,711	$5,588	4.93%
41%	115	$29,825,000	$259,348	$5,359	4.91%
39%	115	$28,025,000	$243,696	$5,362	4.90%
47%	112	$26,810,000	$239,375	$5,745	4.90%
37%	103	$25,425,000	$246,845	$5,541	4.79%
40%	100	$21,870,000	$218,700	$5,292	4.89%
36%	90	$22,620,000	$251,333	$5,286	4.92%
<20%	80	$15,580,000	$194,750	$4,137	4.80%
>60%	40	$9,880,000	$247,000	$6,726	4.70%

Willamette Valley Bank lent most frequently to those with DTI ratios of 30-36%, with 424 originations. The next most common DTI ratio? 20-30%, with 353 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	2,533	$585,775,000	$231,257	$5,447	4.90%
Not provided	462	$114,970,000	$248,853	$5,659	4.93%
Asian	41	$9,775,000	$238,415	$5,477	4.93%
American Indian	41	$9,455,000	$230,610	$5,302	5.01%
Black	37	$8,195,000	$221,486	$5,386	4.99%
Not applicable	12	$6,120,000	$510,000	$0	6.01%
Native Hawaiian or Islander	6	$1,440,000	$240,000	$6,846	4.96%
Filipino	1	$295,000	$295,000	$11,074	4.88%
Other Asian	1	$155,000	$155,000	$3,826	5.00%

Approval Rates

Total approvals of all applications
92.43%

Willamette Valley Bank has an average approval rate.

Pick Rate

Approvals leading to origination
77.54%

Willamette Valley Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	3,134	$736,180,000	$234,901

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	5	$3,125,000	$625,000
Single Family (1-4 Units):Manufactured	176	$35,860,000	$203,750
Single Family (1-4 Units):Site-Built	2,953	$697,195,000	$236,097

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	83	$11,705,000	$141,024	$3,809	4.74%
40-60%	188	$39,450,000	$209,840	$4,104	4.78%
60-80%	702	$177,480,000	$252,821	$4,725	4.95%
80-100%	1,942	$478,180,000	$246,231	$6,015	4.85%
Over 100%	95	$27,945,000	$294,158	$10,779	4.79%
Under 20%	10	$850,000	$85,000	$3,051	4.63%

Complaints

Bank Name	Product	Issue	2018 CPFB Complaints	% of Total Issues
William D. Meeker Enterprises, Inc.	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	1	50.0%
William D. Meeker Enterprises, Inc.	Conventional home mortgage	Improper use of your report	1	50.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Willamette Valley Bank	101 High Street, N.E. Salem, OR 97301	Full Service B&M	$98,036
Willamette Valley Bank	1970 14th Avenue, Se Albany, OR 97321	Full Service B&M	$21,492
Willamette Valley Bank	5140 River Road Ne Keizer, OR 97303	Full Service B&M	$42,541
Willamette Valley Bank	701a Mcclaine Street Silverton, OR 97381	Full Service B&M	$31,145

For 2018, Willamette Valley Bank had 4 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$10,286
Net interest income	$8,608
Total noninterest income	$34,562
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$59
Trading account gains and fees	$0
Additional Noninterest Income	$34,503
Pre-tax net operating income	$10,655
Securities gains (or losses, -)	$0
Income before extraordinary items	$7,901
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$7,901
Minority interest net income	$0
Net income	$7,901
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$7,901

Willamette Valley Bank's gross interest income from loans was $10,286,000.
Willamette Valley Bank's net interest income from loans was $8,608,000.
Willamette Valley Bank's fee based income from loans was $59,000.
Willamette Valley Bank's net income from loans was $7,901,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$1,678
Provision for credit losses	$0
Total noninterest expense	$32,515
Salaries and employee benefits	$23,631
Premises and equipment expense	$2,577
Additional noninterest expense	$6,307
Applicable income taxes	$2,754
Net charge-offs	$-27
Cash dividends	$2,313

Willamette Valley Bank's interest expense for loans was $1,678,000.
Willamette Valley Bank's payroll and benefits expense were $23,631,000.
Willamette Valley Bank's property, plant and equipment expenses $2,577,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$205,621
Deposits held in domestic offices	$205,621
Deposits by Individuals, partnerships, and corporations	$197,886
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$372
Deposits by Commercial banks and other depository institutions in U.S.	$7,363
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$58,934
Demand deposits	$34,118
Nontransaction accounts	$146,687
Money market deposit accounts (MMDAs)	$41,539
Other savings deposits (excluding MMDAs)	$6,596
Total time deposits	$98,552
Total time and savings deposits	$171,503
Noninterest-bearing deposits	$34,118
Interest-bearing deposits	$171,503
Retail deposits	$173,253
IRAs and Keogh plan accounts	$2,155
Brokered deposits	$12,887
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$241,136
Cash & Balances due from depository institutions	$45,640
Interest-bearing balances	$42,363
Total securities	$0
Federal funds sold & reverse repurchase	$0
Net loans and leases	$185,931
Loan and leases loss allowance	$1,477
Trading account assets	$0
Bank premises and fixed assets	$2,677
Other real estate owned	$0
Goodwill and other intangibles	$0
All other assets	$6,888

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$241,136
Total Liabilities	$211,267
Total deposits	$205,621
Interest-bearing deposits	$171,503
Deposits held in domestic offices	$205,621
% insured (estimated)	$79
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$0
Subordinated debt	$0
All other liabilities	$5,646

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$185,931
Loan and leases loss allowance	$1,477
Total loans and leases (domestic)	$187,408
All real estate loans	$172,998
Real estate loans in domestic offices	$172,998
Construction and development loans	$24,844
Residential 1-4 family construction	$8,380
Other construction, all land development and other land	$16,464
Loans secured by nonfarm nonresidential properties	$73,553
Nonfarm nonresidential secured by owner-occupied properties	$24,818
Commercial real estate & other non-farm, non-residential	$48,735
Multifamily residential real estate	$18,800
1-4 family residential loans	$51,649
Farmland loans	$4,152
Loans held in foreign offices	$0
Farm loans	$4,202
Commercial and industrial loans	$9,998
To non-U.S. addressees	$0
Loans to individuals	$336
Credit card loans	$0
Related Plans	$46
Consumer Auto Loans	$20
Other loans to individuals	$270
All other loans & leases	$21
Loans to foreign governments and official institutions	$0
Other loans	$21
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$263
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$0
Non 1-4 family restructured loans & leases	$0
Total loans and leases (foreign)	$0

Willamette Valley Bank had $185,931,000 of loans outstanding in 2018. $172,998,000 of loans were in real estate loans. $24,844,000 of loans were in development loans. $18,800,000 of loans were in multifamily mortgage loans. $51,649,000 of loans were in 1-4 family mortgage loans. $4,202,000 of loans were in farm loans. $0 of loans were in credit card loans. $20,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	75	$32,255	$430,067
Nonfarm, nonresidential loans - <$100k	1	$54	$54,000
Nonfarm, nonresidential loans - $100-250k	29	$6,231	$214,862
Nonfarm, nonresidential loans - $250k-1MM	45	$25,970	$577,111
Commercial & Industrial, US addressed loans - <$1MM	80	$7,117	$88,963
Commercial & Industrial, US addressed loans - <$100k	39	$807	$20,692
Commercial & Industrial, US addressed loans - $100-250k	18	$1,875	$104,167
Commercial & Industrial, US addressed loans - $250k-1MM	23	$4,435	$192,826
Farmland loans - <$1MM	11	$3,267	$297,000
Farmland loans - $100-250k	5	$1,138	$227,600
Farmland loans - $250k-1MM	6	$2,129	$354,833
Agriculture operations loans - <$1MM	20	$1,996	$99,800
Agriculture operations loans - <$100k	8	$150	$18,750
Agriculture operations loans - $100-250k	5	$607	$121,400
Agriculture operations loans - $250k-1MM	7	$1,239	$177,000