Get & compare mortgage quotes anonymously Start in My Home
WTB
Unclaimed

Washington Trust Bank

Bank•Spokane, WAHQ•Direct•Reviews near you on Google

Washington Trust Bank has 376 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Multi-Region · 7 mkts
Safe Rate Awards
Refinance Superstar
Refinance
Superstar

Explore another lender or local market

Report Card

Washington Trust Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+18.7 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
VA
Acceptable
Bottom 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume289
Mix76.9%
Spread
+0.150%Above
Fees
$1,211Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume20
Mix5.3%
Spread
+0.461%Above
Fees
$1,514Fees
VA Loans
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through—
Volume10
Mix2.7%
Spread
-0.454%Below
Fees
$3,953Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume57
Mix15.2%
Spread
+0.466%Above
Fees
$1,197Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume301
Mix80.1%
Spread
+0.212%Above
Fees
$1,436Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume75
Mix19.9%
Spread
+0.090%Above
Fees
$772Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
376
Applications
610
Volume
$197 million
Pricing & Closing
Avg Rate Spread
+0.187%
vs. market APOR
Avg Net Fees
$1,301
Origination − Credits
Pullthrough Rate
61.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$526,410
Avg Borrower Income
$243,016
Avg Property Value
$765,824

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

14
14 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest1
MI
South4
FLKYNCTX
West9
AKAZCACOIDNVORUTWA

Top Metro Areas by Place Specialization Score

1© Ethan from Scottsdale · CC BY 2.0
Spokane, WAMetro
Volume 133Mix 35.37% of portfolio
88/100
Exceptional
2© Ian Poellet · CC BY-SA 3.0
Bend, ORMetro
Volume 23Mix 6.12% of portfolio
62/100
Strong
3© Dietmar Rabich · CC BY-SA 4.0
Seattle, WAMetro
Volume 33Mix 8.78% of portfolio
58/100
Sound
4© pasa47 · CC BY 2.0
Coeur d'Alene, IDMetro
Volume 18Mix 4.79% of portfolio
54/100
Sound
5© Seasider53 · CC BY 4.0
Portland, OR-WAMetro
Volume 24Mix 6.38% of portfolio
52/100
Sound
6© Leonardo Pires · CC BY 2.0
Boise City, IDMetro
Volume 21Mix 5.59% of portfolio
51/100
Sound
7© Kirk Bagley · CC BY 3.0
Kennewick, WAMetro
Volume 11Mix 2.93% of portfolio
46/100
Sound

Top States by Place Specialization Score

Washington
Washington
1
WashingtonState
Volume 237Mix 63.03% of portfolio
78/100
Strong
Idaho
Idaho
2
IdahoState
Volume 62Mix 16.49% of portfolio
62/100
Strong
Oregon
Oregon
3
OregonState
Volume 47Mix 12.50% of portfolio
60/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of Washington Trust Bank?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.