Lender in Washington · HMDA 2025
Washington Trust Bank mortgages in Washington
Washington Trust Bank's 2025 home-purchase and refinance lending in Washington, compared with all lenders in the state.
Washington Trust Bank originated 297 owner-occupied single-family loans in Washington from 358 completed applications.
Its median conventional purchase loan costs were $5,360 versus $6,530 for all Washington lenders, at a median 30-year fixed rate of 6.50% (Washington: 6.625%).
Loans in WA
297
of 358 applications
Denial rate
15.2%
Purchase · WA 5.9%
Rate spread
+0.06 pts
Conv. · WA +0.10 pts
Loan amount
$475,000
Purchase · WA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 283 | 240 | 15.2% | 6.500% | +0.06 pts | $5,360 | $475,000 |
| Refinance | 30 | 27 | 10.0% | — | +0.21 pts | $3,740 | $435,000 |
| Cash-out refinance | 45 | 30 | 33.3% | — | +0.24 pts | $4,250 | $265,000 |
*Conventional loans only; medians with at least 20 loans.
Washington counties where Washington Trust Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Whitman County | 7 | 17 | 3.9% |
| Spokane County | 16 | 135 | 1.8% |
| Grant County | 18 | 13 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology