Bank of the Pacific
Bank of the Pacific received 39 applications in 2025 and made 27 mortgages, in 10 counties across 2 states. The median rate its borrowers got was 7.000% on a median loan of $255,000. Of 33 decisions, 5 were denials — 15.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300MP3KK77THHQT36 |
|---|---|
| Applications received | 39 |
| Mortgages made | 27 |
| Denied | 5 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 6 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 2.063 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 30.0% |
Where Bank of the Pacific lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Clatsop County, OR | 8 | Under 10 loans | 11.1% |
| Whatcom County, WA | 4 | Under 10 loans | 0.0% |
| Multnomah County, OR | 3 | Under 10 loans | 0.0% |
| Grays Harbor County, WA | 3 | Under 10 loans | 25.0% |
| Pacific County, WA | 3 | Under 10 loans | 20.0% |
| Thurston County, WA | 2 | Under 10 loans | 0.0% |
| Benton County, OR | 1 | Under 10 loans | 0.0% |
| Clark County, WA | 1 | Under 10 loans | 0.0% |
| Kittitas County, WA | 1 | Under 10 loans | 0.0% |
| Wahkiakum County, WA | 1 | Under 10 loans | 66.7% |
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When Bank of the Pacific’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.