In urban areas wetlands and uplands may generate credits at the more favorable rates within WAC 173-700-313 and 173-700-318. The department will take into consideration the following when determining how much credit is generated:

(1) WAC 173-700-314, 173-700-315, and 173-700-319;

(2) Local land use zoning, anticipated future build-out, width of the buffer and its ability to protect the wetland or other aquatic resource from further degradation;

(3) Integrated public education and directed access for passive recreation opportunities, where appropriate as determined by the department;

(4) Whether the bank provides multiple functions; and

(5) The degree to which the bank helps to implement local restoration priorities, shoreline master programs, local land use management plans, and watershed plans.