Lender in Idaho · HMDA 2025
Willamette Valley Bank mortgages in Idaho
Willamette Valley Bank's 2025 home-purchase and refinance lending in Idaho, compared with all lenders in the state.
Willamette Valley Bank originated 268 owner-occupied single-family loans in Idaho from 303 completed applications.
Its median conventional purchase loan costs were $8,560 versus $7,270 for all Idaho lenders, at a median 30-year fixed rate of 6.49% (Idaho: 6.50%).
Loans in ID
268
of 303 applications
Denial rate
4.3%
Purchase · ID 4.9%
Rate spread
+0.11 pts
Conv. · ID +0.06 pts
Loan amount
$415,000
Purchase · ID $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 208 | 199 | 4.3% | 6.490% | +0.11 pts | $8,560 | $415,000 |
| Refinance | 43 | 33 | 23.3% | — | — | — | $415,000 |
| Cash-out refinance | 52 | 36 | 28.8% | 6.750% | +0.34 pts | $6,880 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
Idaho counties where Willamette Valley Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Shoshone County | 5 | 14 | 6.4% |
| Kootenai County | 6 | 147 | 4.8% |
| Bonner County | 7 | 27 | 4.0% |
| Boundary County | 13 | 3 | 1.8% |
| Gem County | 25 | 3 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology