Willamette Valley Bank NMLS #713109
At a glance
- HeadquartersSalem, OR
- Size584 home loans closed in 2025
- Loan typesConventional, FHA and VA
What it closes
Share of its 2025 home loans: 63% Conventional, 28% FHA, 9% VA and 0% Other types.
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Who is Willamette Valley Bank?
Willamette Valley Bank (NMLS #713109) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerWillamette Valley Bank
- NMLS #713109
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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Bank facts
Willamette Valley Bank held $465,422,000 in total assets as of June 30, 2026, per the FDIC (certificate 57033). The FDIC and NMLS records both place it in Salem, Oregon. FDIC deposit insurance covers deposits held at the bank. It is the bank's coverage and does not extend to any mortgage.
About Willamette Valley Bank
Overview
Willamette Valley Bank is a bank that originates home loans and provides personal and business banking services. Its banking services include digital and mobile banking.
Mortgage options
In 2025, Willamette Valley Bank made conventional, FHA and VA loans. Its loans that year were for home purchases, refinances and cash-out refinances.
Company details and licensing
The legal entity is Willamette Valley Bank, headquartered at 101 High Street NE in Salem, Oregon. Its NMLS company ID is 713109.
Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #713109 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asWillamette Valley Bank
- 2025 home loan decisionsOf 679 applications decided by Willamette Valley Bank in 2025, 584 were originated, 1 was approved but not accepted by the borrower, and 94 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 86.2%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 177 applications were withdrawn by the borrower, 61 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.249 percentage points above the average prime offer rate (reported on 580 originations, 4 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$9,042.75 — originated closed-end household loans, 2025, 579 of 580 loans. FFIEC HMDA data browser.
- Median origination charges$5,196.68 — originated closed-end household loans, 2025, 580 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types367 Conventional, 161 FHA, 55 VA, 1 USDA — of 584 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for Willamette Valley Bank — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is Willamette Valley Bank's NMLS number?
Willamette Valley Bank's NMLS number is 713109. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Willamette Valley Bank's NMLS ID?
Yes. We checked Willamette Valley Bank's company name and NMLS ID against the NMLS record on October 14, 2026. They've been in our lender network since December 2011. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Willamette Valley Bank?
This page has Willamette Valley Bank's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.