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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
Promptness
Not enough data
—/5
No quote responses measured yet
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
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
289 loans · 0.15% above market
Sound
Top 60% of lenders
3/5
FHA
20 loans · 0.46% above market
Sound
Top 60% of lenders
3/5
VA
10 loans · 0.45% below market
Acceptable
Bottom 40% of lenders
2/5
Jumbo
57 loans · 0.47% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
301 loans · 0.21% above market
Sound
Top 60% of lenders
3/5
Refinance
75 loans · 0.09% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders
3/5

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

14Full-year 2024 · HMDA
14 states with loan originations
Loans originated
< 5050+None
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© formulanone from Huntsville, United States · CC BY-SA 2.0
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 the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

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

Looking for a different lender?

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.