Purchase Originations
363
Median Total Costs
$10,378
+55.4% vs national ($6,680)
↑ $109 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$5,723
Median Lender Credits
$693
Denial Rate
4.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 205 | 6.500% | $8,068 | $5,828 |
| fha | 119 | 6.125% | $15,131 | $5,979 |
| va | 38 | 6.250% | $8,244 | $3,486 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Idaho | 207 | 6.250% | $10,741 | #29 |
| Oregon | 92 | 6.375% | $8,990 | #74 |
| Washington | 29 | 6.500% | $11,196 | — |
| Montana | 7 | 6.490% | $8,347 | — |
| Florida | 4 | 6.870% | $8,462 | — |
| California | 3 | 6.875% | $12,031 | — |
| Alabama | 2 | 6.625% | $8,511 | — |
| Colorado | 2 | 5.558% | $14,653 | — |
| North Carolina | 2 | 7.058% | $4,678 | — |
| North Dakota | 2 | 6.562% | $10,477 | — |
| Alaska | 1 | 5.375% | $8,290 | — |
| Arkansas | 1 | 6.500% | $8,866 | — |
| Hawaii | 1 | 6.375% | $6,964 | — |
| Mississippi | 1 | 6.750% | $17,554 | — |
| New Hampshire | 1 | 7.125% | $1,679 | — |
| Ohio | 1 | 6.125% | $4,251 | — |
| Oklahoma | 1 | 6.625% | $4,057 | — |
| South Dakota | 1 | 6.250% | $6,433 | — |
| Tennessee | 1 | 6.125% | $9,041 | — |
| Texas | 1 | 7.000% | $14,763 | — |
| Utah | 1 | 6.875% | $9,010 | — |
| Wisconsin | 1 | 6.125% | $4,912 | — |
| West Virginia | 1 | 5.750% | $5,573 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,175 | 7.250% | — | 2 | −$6,203 | |
| 2 | $4,443 | 6.688% | — | 2 | −$5,935 | |
| 3 | $5,756 | 6.683% | — | 2 | −$4,622 | |
| 4 | $5,857 | 6.625% | — | 16 | −$4,521 | |
| 5 | $6,114 | 5.750% | — | 3 | −$4,264 | |
| 6 | $9,687 | 6.625% | — | 7 | −$691 | |
| 7 | $9,804 | 7.375% | — | 4 | −$574 | |
| 8 | $9,838 | 6.125% | — | 9 | −$540 | |
| 9 | $10,190 | 6.188% | — | 2 | −$188 | |
| 10 | $10,477 | 6.562% | — | 2 | +$99 | |
| 11 | $10,741 | 6.312% | — | 18 | +$363 | |
| 12 | $11,227 | 6.125% | — | 28 | +$849 | |
| 13 | $11,353 | 6.500% | — | 16 | +$975 | |
| 14 | $11,373 | 6.188% | — | 14 | +$995 | |
| 15 | $11,651 | 6.250% | — | 124 | +$1,273 | |
| 16 | $11,758 | 6.125% | — | 3 | +$1,380 | |
| 17 | $12,106 | 6.250% | — | 41 | +$1,728 | |
| 18 | $12,188 | 6.562% | — | 4 | +$1,810 | |
| 19 | $12,744 | 6.312% | — | 6 | +$2,366 | |
| 20 | $13,491 | 6.312% | — | 2 | +$3,113 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Willamette Valley Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $10,378 | $7,127 | +$3,251 (+45.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.