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Washington Trust Bank
Bank|Spokane, WA|Multi-Region
Loans Originated
376
Applications
610
Volume
$197 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.187%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,301
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
61.6%
Percentage of applications that result in closed loans
Report Card
Washington Trust Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Sound | Industry Standard | |
VA | Acceptable | Near industry average | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 8 metro areas · 14 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$526,410
Average Borrower Income
$243,016
Average Property Value
$765,824
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Strong | Sound | 289 | 76.9% | +0.150% | $1,211 |
FHA Loans | Sound | Sound | N/A | Sound | 20 | 5.3% | +0.461% | $1,514 |
VA Loans | Acceptable | Acceptable | N/A | N/A | 10 | 2.7% | -0.454% | $3,953 |
Jumbo Loans | Sound | Strong | Acceptable | Strong | 57 | 15.2% | +0.466% | $1,197 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Sound | 301 | 80.1% | +0.212% | $1,436 |
Refinance | Strong | Strong | Strong | Strong | 75 | 19.9% | +0.090% | $772 |
Geographic Coverage
Metro Areas
7
States Served
14
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKAZCACOFLIDKYMINCNVORTXUTWA
Top Metro Areas by Place Specialization Score
1
Spokane, WAMSA
Volume: 133Mix: 35.37%
Place Specialization
Exceptional
2
Bend, OR, ORMSA
Volume: 23Mix: 6.12%
Place Specialization
Strong
3
Seattle, WAMSA
Volume: 33Mix: 8.78%
Place Specialization
Sound
4
Coeur d'Alene, ID, IDMSA
Volume: 18Mix: 4.79%
Place Specialization
Sound
5
Portland, OR-WAMSA
Volume: 24Mix: 6.38%
Place Specialization
Sound
6
Boise City, ID, IDMSA
Volume: 21Mix: 5.59%
Place Specialization
Sound
7
Kennewick, WAMSA
Volume: 11Mix: 2.93%
Place Specialization
Sound
Top States by Place Specialization Score
1
WAState
Volume: 237Mix: 63.03%
Place Specialization
Strong
2
IDState
Volume: 62Mix: 16.49%
Place Specialization
Strong
3
ORState
Volume: 47Mix: 12.50%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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