Applications / Mortgage Analytics / Lenders / Washington / Bank of the Pacific
Aberdeen, WA · State non-member bank · FDIC · $1.3 billion assets · 27 loans in 2025
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27
loans originated, 2025
39
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of the Pacific, a Washington bank with $1.3 billion of assets, made just 27 home loans in 2025, down from 1,786 five years before.
It made 1,341 loans in 2021 and 255 in 2022, then 138 and 145 in the next two years before dropping to 27. The fall of 81% in 2025 was deeper than at almost every similar lender, here state non-member banks making between half and twice as many loans, where the typical change was a 4% fall. Whether it stepped back from home lending or moved it elsewhere, the filings do not say.
Its total of $24.2 million was higher than at more than four in five similar lenders, and its typical loan was $255,000, against $167,500. On 27 loans, a few large ones decide both figures.
Its share of Bellingham fell to 0.2% from 1.0%, where it ranked 72 of 256 lenders; the fall in its own lending may explain that. Whatcom Educational Credit Union and Evergreen Moneysource Mortgage Company led. In Corvallis its share rose to 0.4%.
It began as The Bank of Grays Harbor, took its present name in 2000 and merged with Bank Northwest in 2004. It now lends in ten counties across Washington and Oregon, and ranked 181 of 566 lenders in Portland-Vancouver-Hillsboro.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of the Pacific took 39 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.1% · Purchase 25.9% · Home improvement 14.8% · Other 11.1%
Conventional 100.0% · of 27 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 |
|---|---|---|
| Washington | 15 | 55.6% |
| Oregon | 12 | 44.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bellingham | 4 |
| Portland-Vancouver-Hillsboro | 4 |
| Olympia-Lacey-Tumwater | 2 |
| Corvallis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MP3KK77THHQT36 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 307679 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 323041 | 2005–2017 |
Established 26 December 1979. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Bank of the Pacific's data.
Bank of the Pacific's data
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Bank of the Pacific 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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