Washington Trust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Washington Trust Bank 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Washington Trust Bank 717 W Sprague Ave Spokane, WA 99201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,684 |
| Total Mortgage Loan Application Amount | $661,193,000 |
| Average Mortgage Loan Application Amount | $229,666 |
| Highest Mortgage Loan Application Amount | $15,527,000 |
| Average Applicant Income | $122,333 |
| Highest Applicant Income | $3,192,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Washington Trust Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Washington Trust Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down Washington Trust Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Washington Trust Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Washington Trust Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Washington Trust Bank's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Spokane County Washington | 1,115 | $ 220,268,000 | $ 197,000 | $ 117,000 |
| Kootenai County Idaho | 297 | $ 78,830,000 | $ 265,000 | $ 92,000 |
| Ada County Idaho | 182 | $ 39,412,000 | $ 216,000 | $ 114,000 |
| Grant County Washington | 115 | $ 16,342,000 | $ 142,000 | $ 127,000 |
| Canyon County Idaho | 91 | $ 14,275,000 | $ 156,000 | $ 70,000 |
| King County Washington | 88 | $ 79,053,000 | $ 898,000 | $ 363,000 |
| Bonner County Idaho | 76 | $ 19,252,000 | $ 253,000 | $ 182,000 |
| Chelan County Washington | 64 | $ 13,536,000 | $ 211,000 | $ 104,000 |
| Whitman County Washington | 61 | $ 15,546,000 | $ 254,000 | $ 101,000 |
| Deschutes County Oregon | 56 | $ 13,076,000 | $ 233,000 | $ 99,000 |
| Lane County Oregon | 56 | $ 13,441,000 | $ 240,000 | $ 80,000 |
| Pend Oreille County Washington | 48 | $ 7,960,000 | $ 165,000 | $ 81,000 |
| Stevens County Washington | 38 | $ 8,027,000 | $ 211,000 | $ 106,000 |
| Benton County Washington | 34 | $ 6,480,000 | $ 190,000 | $ 157,000 |
| Douglas County Washington | 31 | $ 6,296,000 | $ 203,000 | $ 94,000 |
| Clackamas County Oregon | 30 | $ 10,720,000 | $ 357,000 | $ 121,000 |
| Walla Walla County Washington | 20 | $ 4,248,000 | $ 212,000 | $ 135,000 |
| Nez Perce County Idaho | 15 | $ 2,814,000 | $ 187,000 | $ 145,000 |
| Jackson County Oregon | 15 | $ 3,567,000 | $ 237,000 | $ 90,000 |
| Franklin County Washington | 15 | $ 3,410,000 | $ 227,000 | $ 92,000 |
| Snohomish County Washington | 14 | $ 6,348,000 | $ 453,000 | $ 147,000 |
| Yakima County Washington | 14 | $ 3,007,000 | $ 214,000 | $ 132,000 |
| Maricopa County Arizona | 13 | $ 5,765,000 | $ 443,000 | $ 447,000 |
| Latah County Idaho | 11 | $ 1,948,000 | $ 177,000 | $ 113,000 |
| Linn County Oregon | 11 | $ 2,702,000 | $ 245,000 | $ 85,000 |
| Adams County Washington | 10 | $ 1,056,000 | $ 105,000 | $ 84,000 |
| Washington County Oregon | 9 | $ 3,817,000 | $ 424,000 | $ 146,000 |
| Valley County Idaho | 8 | $ 4,546,000 | $ 568,000 | $ 280,000 |
| Multnomah County Oregon | 8 | $ 3,068,000 | $ 383,000 | $ 237,000 |
| Riverside County California | 7 | $ 2,165,000 | $ 309,000 | $ 436,000 |
| Boise County Idaho | 6 | $ 682,000 | $ 113,000 | $ 73,000 |
| Owyhee County Idaho | 6 | $ 1,207,000 | $ 201,000 | $ 81,000 |
| Benton County Oregon | 6 | $ 1,525,000 | $ 254,000 | $ 93,000 |
| Lincoln County Washington | 6 | $ 654,000 | $ 109,000 | $ 74,000 |
| Pierce County Washington | 5 | $ 4,481,000 | $ 896,000 | $ 135,000 |
| Blaine County Idaho | 4 | $ 2,557,000 | $ 639,000 | $ 1,153,000 |
| Elmore County Idaho | 4 | $ 659,000 | $ 164,000 | $ 46,000 |
| Asotin County Washington | 4 | $ 758,000 | $ 189,000 | $ 140,000 |
| Kitsap County Washington | 4 | $ 1,155,000 | $ 288,000 | $ 89,000 |
| Thurston County Washington | 4 | $ 949,000 | $ 237,000 | $ 115,000 |
| Madison County Idaho | 3 | $ 738,000 | $ 246,000 | $ 0 |
| Williams County North Dakota | 3 | $ 1,108,000 | $ 369,000 | $ 0 |
| Marion County Oregon | 3 | $ 569,000 | $ 189,000 | $ 68,000 |
| Clark County Washington | 3 | $ 864,000 | $ 288,000 | $ 459,000 |
| Ferry County Washington | 3 | $ 396,000 | $ 132,000 | $ 58,000 |
| Island County Washington | 3 | $ 632,000 | $ 210,000 | $ 98,000 |
| Kittitas County Washington | 3 | $ 1,181,000 | $ 393,000 | $ 222,000 |
| Skagit County Washington | 3 | $ 1,145,000 | $ 381,000 | $ 130,000 |
| Mohave County Arizona | 2 | $ 159,000 | $ 79,000 | $ 51,000 |
| Hawaii County Hawaii | 2 | $ 503,000 | $ 251,000 | $ 298,000 |
| Idaho County Idaho | 2 | $ 480,000 | $ 240,000 | $ 88,000 |
| Lewis County Idaho | 2 | $ 982,000 | $ 491,000 | $ 494,000 |
| Queens County New York | 2 | $ 750,000 | $ 375,000 | $ 82,000 |
| Suffolk County New York | 2 | $ 2,000,000 | $ 1,000,000 | $ 241,000 |
| Tillamook County Oregon | 2 | $ 582,000 | $ 291,000 | $ 374,000 |
| Garfield County Washington | 2 | $ 156,000 | $ 78,000 | $ 18,000 |
| Okanogan County Washington | 2 | $ 929,000 | $ 464,000 | $ 117,000 |
| Matanuska-Susitna County Alaska | 1 | $ 300,000 | $ 300,000 | $ 119,000 |
| Pima County Arizona | 1 | $ 95,000 | $ 95,000 | $ 180,000 |
| Pinal County Arizona | 1 | $ 75,000 | $ 75,000 | $ 27,000 |
| Los Angeles County California | 1 | $ 1,648,000 | $ 1,648,000 | $ 1,469,000 |
| Orange County California | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| Santa Clara County California | 1 | $ 1,088,000 | $ 1,088,000 | $ 2,136,000 |
| Sonoma County California | 1 | $ 230,000 | $ 230,000 | $ 98,000 |
| Adams County Colorado | 1 | $ 295,000 | $ 295,000 | $ 63,000 |
| Eagle County Colorado | 1 | $ 3,000,000 | $ 3,000,000 | $ 1,563,000 |
| District of Columbia County District Of Columbia | 1 | $ 196,000 | $ 196,000 | $ 192,000 |
| Honolulu County Hawaii | 1 | $ 155,000 | $ 155,000 | $ 168,000 |
| Maui County Hawaii | 1 | $ 487,000 | $ 487,000 | $ 0 |
| Adams County Idaho | 1 | $ 196,000 | $ 196,000 | $ 147,000 |
| Benewah County Idaho | 1 | $ 110,000 | $ 110,000 | $ 1,000 |
| Boundary County Idaho | 1 | $ 134,000 | $ 134,000 | $ 68,000 |
| Gem County Idaho | 1 | $ 60,000 | $ 60,000 | $ 40,000 |
| Payette County Idaho | 1 | $ 161,000 | $ 161,000 | $ 181,000 |
| Shoshone County Idaho | 1 | $ 243,000 | $ 243,000 | $ 64,000 |
| Twin Falls County Idaho | 1 | $ 320,000 | $ 320,000 | $ 153,000 |
| Sedgwick County Kansas | 1 | $ 121,000 | $ 121,000 | $ 40,000 |
| Jefferson County Kentucky | 1 | $ 238,000 | $ 238,000 | $ 136,000 |
| Lake County Montana | 1 | $ 1,330,000 | $ 1,330,000 | $ 0 |
| Missoula County Montana | 1 | $ 5,444,000 | $ 5,444,000 | $ 0 |
| Park County Montana | 1 | $ 144,000 | $ 144,000 | $ 28,000 |
| Yellowstone County Montana | 1 | $ 70,000 | $ 70,000 | $ 240,000 |
| Washoe County Nevada | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Santa Fe County New Mexico | 1 | $ 396,000 | $ 396,000 | $ 104,000 |
| Clatsop County Oregon | 1 | $ 201,000 | $ 201,000 | $ 78,000 |
| Lincoln County Oregon | 1 | $ 325,000 | $ 325,000 | $ 86,000 |
| Morrow County Oregon | 1 | $ 179,000 | $ 179,000 | $ 63,000 |
| Polk County Oregon | 1 | $ 91,000 | $ 91,000 | $ 20,000 |
| Kent County Rhode Island | 1 | $ 66,000 | $ 66,000 | $ 58,000 |
| Washington County Rhode Island | 1 | $ 215,000 | $ 215,000 | $ 135,000 |
| Tarrant County Texas | 1 | $ 300,000 | $ 300,000 | $ 156,000 |
| Salt Lake County Utah | 1 | $ 500,000 | $ 500,000 | $ 276,000 |
| Fairfax County Virginia | 1 | $ 607,000 | $ 607,000 | $ 184,000 |
| Grays Harbor County Washington | 1 | $ 192,000 | $ 192,000 | $ 49,000 |
| Klickitat County Washington | 1 | $ 400,000 | $ 400,000 | $ 252,000 |
| Lewis County Washington | 1 | $ 315,000 | $ 315,000 | $ 195,000 |
| Skamania County Washington | 1 | $ 50,000 | $ 50,000 | $ 95,000 |
| Whatcom County Washington | 1 | $ 140,000 | $ 140,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for Washington Trust Bank in 2016
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,572 | $362,874,000 | $230,000 | $5,444,000 | $114,000 | $3,192,000 |
| Refinancing | 927 | $266,333,000 | $287,000 | $15,527,000 | $156,000 | $2,933,000 |
| Home Improvement | 185 | $31,986,000 | $172,000 | $2,000,000 | $97,000 | $1,508,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,064 | $470,659,000 | $228,000 | $12,050,000 | $125,000 | $3,192,000 |
| Not Provided | 333 | $93,672,000 | $281,000 | $3,000,000 | $196,000 | $2,068,000 |
| Hispanic | 118 | $20,381,000 | $172,000 | $595,000 | $72,000 | $565,000 |
| Not applicable | 89 | $57,336,000 | $644,000 | $15,527,000 | $0 | $0 |
| Asian | 47 | $12,652,000 | $269,000 | $1,170,000 | $147,000 | $725,000 |
| Black or African American | 14 | $2,782,000 | $198,000 | $422,000 | $84,000 | $225,000 |
| American Indian or Alaskan Native | 13 | $2,096,000 | $161,000 | $320,000 | $68,000 | $192,000 |
| Native Hawaiin or Other Pacific Islander | 6 | $1,615,000 | $269,000 | $354,000 | $107,000 | $253,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,109 | $545,565,000 | $258,000 | $15,527,000 | $144,000 | $3,192,000 |
| FHA-insured (Federal Housing Administration) | 346 | $63,602,000 | $183,000 | $526,000 | $62,000 | $482,000 |
| VA-guaranteed (Veterans Administration) | 172 | $40,778,000 | $237,000 | $563,000 | $79,000 | $274,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 57 | $11,248,000 | $197,000 | $298,000 | $56,000 | $141,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,803 | $474,059,000 | $262,000 | $15,527,000 | $134,000 | $3,192,000 |
| Application Denied By Financial Institution | 497 | $101,725,000 | $204,000 | $2,000,000 | $103,000 | $2,136,000 |
| Application Withdrawn By Applicant | 266 | $59,142,000 | $222,000 | $1,800,000 | $128,000 | $1,320,000 |
| File Closed For Incompleteness | 104 | $21,056,000 | $202,000 | $2,408,000 | $110,000 | $894,000 |
| Application Approved But Not Accepted | 14 | $5,211,000 | $372,000 | $3,000,000 | $213,000 | $1,563,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Trust Bank's 2016 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Washington Trust Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Washington, download the full spreadsheet
with aggregated HMDA statistics today.