Washington Trust Bank
Washington Trust Bank received 2,193 applications in 2025 and made 1,422 mortgages, in 117 counties across 25 states. The median rate its borrowers got was 7.375% on a median loan of $255,000. Of 1,858 decisions, 418 were denials — 22.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300P2GEYNMH5OQA71 |
|---|---|
| Applications received | 2,193 |
| Mortgages made | 1,422 |
| Denied | 418 |
| Approved, not taken up | 18 |
| Withdrawn or incomplete | 335 |
| Loans bought from other lenders | 25 |
| Median rate spread over the prime offer rate | 0.356 points |
| FDIC-insured bank | Yes: Washington Trust Bank, 45 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 466 | 6.625% | $405,000 | 18.9% |
| Refinancing | 143 | 7.250% | $310,000 | 10.5% |
| Cash-out refinancing | 271 | 7.500% | $240,000 | 23.3% |
| Other purposes | 542 | 7.750% | $165,000 | 27.4% |
Where Washington Trust Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Spokane County, WA | 479 | 7.500% | 22.6% |
| King County, WA | 183 | 7.125% | 9.2% |
| Kootenai County, ID | 77 | 7.500% | 26.6% |
| Ada County, ID | 74 | 7.500% | 29.5% |
| Grant County, WA | 71 | 7.750% | 27.6% |
| Bonner County, ID | 62 | 7.500% | 16.2% |
| Deschutes County, OR | 40 | 7.000% | 18.4% |
| Pierce County, WA | 32 | 6.563% | 33.3% |
| Multnomah County, OR | 31 | 6.375% | 24.4% |
| Whitman County, WA | 26 | 6.688% | 16.1% |
| Canyon County, ID | 25 | 8.000% | 44.7% |
| Latah County, ID | 23 | 7.750% | 11.5% |
| Benton County, WA | 22 | 6.938% | 8.3% |
| Clark County, WA | 21 | 6.500% | 12.5% |
| Douglas County, WA | 21 | 7.750% | 19.2% |
| Chelan County, WA | 20 | 7.625% | 42.9% |
| Stevens County, WA | 19 | 7.750% | 31.0% |
| Washington County, OR | 14 | 6.938% | 12.5% |
| Maricopa County, AZ | 13 | 6.875% | 7.1% |
| Clackamas County, OR | 12 | 7.313% | 7.7% |
| Snohomish County, WA | 11 | 7.250% | 35.3% |
| Franklin County, WA | 10 | 6.938% | 16.7% |
| Pend Oreille County, WA | 9 | Under 10 loans | 0.0% |
| Whatcom County, WA | 9 | Under 10 loans | 18.2% |
| Nez Perce County, ID | 5 | Under 10 loans | 16.7% |
| Valley County, ID | 5 | Under 10 loans | 37.5% |
| Lincoln County, WA | 5 | Under 10 loans | 16.7% |
| Riverside County, CA | 4 | Under 10 loans | 0.0% |
| Island County, WA | 4 | Under 10 loans | 0.0% |
| Kitsap County, WA | 4 | Under 10 loans | 0.0% |
| Kittitas County, WA | 4 | Under 10 loans | 0.0% |
| Thurston County, WA | 4 | Under 10 loans | 0.0% |
| Boundary County, ID | 3 | Under 10 loans | 0.0% |
| Crook County, OR | 3 | Under 10 loans | 33.3% |
| Marion County, OR | 3 | Under 10 loans | 25.0% |
| Adams County, WA | 3 | Under 10 loans | 0.0% |
| San Juan County, WA | 3 | Under 10 loans | 25.0% |
| Pima County, AZ | 2 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 2 | Under 10 loans | 33.3% |
| Blaine County, ID | 2 | Under 10 loans | 0.0% |
| Boise County, ID | 2 | Under 10 loans | 66.7% |
| Gem County, ID | 2 | Under 10 loans | 0.0% |
| Calhoun County, MI | 2 | Under 10 loans | 66.7% |
| Flathead County, MT | 2 | Under 10 loans | 0.0% |
| Clark County, NV | 2 | Under 10 loans | 0.0% |
| Lane County, OR | 2 | Under 10 loans | 25.0% |
| Yamhill County, OR | 2 | Under 10 loans | 33.3% |
| Washington County, UT | 2 | Under 10 loans | 0.0% |
| Asotin County, WA | 2 | Under 10 loans | 50.0% |
| Cowlitz County, WA | 2 | Under 10 loans | 0.0% |
Get told when this changes
When Washington Trust Bank’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.