Applications / Mortgage Analytics / Lenders / Oregon / Willamette Valley Bank
Salem, OR · State non-member bank · FDIC · $452 million assets · 584 loans in 2025
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584
loans originated, 2025
917
applications, 2025
28
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Willamette Valley Bank is an Oregon bank that lends mainly in Idaho across 28 states, a purchase lender with far more government-backed loans and larger loans than similar banks, whose volume fell 22% in 2025.
Purchases made up 77.6% of its loans. 27.6% were FHA (insured by the Federal Housing Administration) and 9.4% VA (guaranteed by the Department of Veterans Affairs), where the typical similar lender (state non-member banks making between half and twice as many loans) made none. Its typical loan was $365,000, against $185,000, higher than about nine in ten peers.
Its typical rate was 6.41%, against 6.75% for peers, lower than about three in four of them, and 0.5% of its loans were higher-priced (a rate well above the average for similar loans), against 1.6%.
Originations fell to 584 from 744, while the typical peer grew 9% and the whole market 10%, lower than more than nine in ten peers. It made 6,147 loans in 2020, when its typical rate was 3.25%, and has made fewer each year since. Higher rates since then may account for much of the fall.
In Coeur d'Alene, ID it ranks 7 of 263 lenders with 3.3% of the dollars, down from 6.5%, in a market led by Idaho Central Credit Union and Glacier Bank. In Medford its share fell from 2.7% to 1.2%. One possible reason is its lower dollar volume overall, $221.9 million against $289.0 million.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Willamette Valley Bank took 917 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.6% · Refinance 21.9% · Home improvement 0.5%
Conventional 62.8% · FHA 27.6% · VA 9.4% · USDA (RHS or FSA) 0.2% · of 584 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Idaho | 356 | 61.0% |
| Oregon | 136 | 23.3% |
| Washington | 44 | 7.5% |
| Montana | 12 | 2.1% |
| California | 4 | 0.7% |
| Florida | 4 | 0.7% |
| Alaska | 2 | 0.3% |
| Alabama | 2 | 0.3% |
| Colorado | 2 | 0.3% |
| North Carolina | 2 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Coeur d'Alene | 195 |
| Boise City | 86 |
| Medford | 52 |
| Salem | 37 |
| Portland-Vancouver-Hillsboro | 27 |
| Spokane-Spokane Valley | 26 |
| Grants Pass | 3 |
| Lewiston | 3 |
| Albany | 2 |
| Anchorage | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GS6ONO04ORI292 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2954497 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357033 | 2003–2017 |
Established 31 October 2000. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Willamette Valley Bank's data.
Willamette Valley Bank's data
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Willamette Valley Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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