We analyzed every closed loan from Willamette Valley Bank — 636 loans across 952 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Near-National · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($5,714)
Explore another lender or local market
Report Card
Willamette Valley Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+31.1 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
390 loans · 0.31% above market
Strong
Top 40% of lenders
4/5
FHA
176 loans · 0.44% above market
Strong
Top 40% of lenders
4/5
VA
56 loans · 0.15% below market
Strong
Top 40% of lenders
4/5
Jumbo
13 loans · 0.55% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
541 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
Refinance
95 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 7 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 390 | 61.3% | +0.307%Above | $5,600Fees | ||||
FHA Loans | 176 | 27.7% | +0.442%Above | $6,193Fees | ||||
VA Loans | 56 | 8.8% | -0.153%Below | $5,015Fees | ||||
Jumbo Loans | — | 13 | 2.0% | +0.553%Above | $9,760Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume390
Mix61.3%
Spread
+0.307%Above
Fees
$5,600Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume176
Mix27.7%
Spread
+0.442%Above
Fees
$6,193Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume56
Mix8.8%
Spread
-0.153%Below
Fees
$5,015Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume13
Mix2.0%
Spread
+0.553%Above
Fees
$9,760Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 541 | 85.1% | +0.336%Above | $5,819Fees | ||||
Refinance | 95 | 14.9% | +0.165%Above | $5,112Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume541
Mix85.1%
Spread
+0.336%Above
Fees
$5,819Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume95
Mix14.9%
Spread
+0.165%Above
Fees
$5,112Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
636
Applications
952
Volume
$253 million
Pricing & Closing
Avg Rate Spread
+0.311%
vs. market APOR
Avg Net Fees
$5,714
Origination − Credits
Pullthrough Rate
66.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$398,396
Avg Borrower Income
$144,447
Avg Property Value
$532,642
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
37
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
37Full-year 2024 · HMDALoans originated
< 5050–200200+None
Northeast3
NYPAVT
Midwest10
IAILINKSMIMONDOHSDWI
South13
ALARFLGAKYLAMSNCOKSCTNTXVA
West11
AZCACOIDMTNMNVORUTWAWY
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.