Washington Trust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Washington Trust Bank 2018 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 | 1,926 |
| Total Mortgage Loan Application Amount | $606,890,000 |
| Average Mortgage Loan Application Amount | $310,000 |
| Highest Mortgage Loan Application Amount | $25,705,000 |
| Average Applicant Income | $140,200 |
| Highest Applicant Income | $7,958,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 695 | $ 182,675,000 | $ 262,000 | $ 140,000 |
| Kootenai County Idaho | 188 | $ 51,700,000 | $ 275,000 | $ 165,000 |
| Ada County Idaho | 132 | $ 33,410,000 | $ 253,000 | $ 124,000 |
| Canyon County Idaho | 87 | $ 14,835,000 | $ 170,000 | $ 76,000 |
| Deschutes County Oregon | 80 | $ 24,400,000 | $ 305,000 | $ 126,000 |
| Grant County Washington | 78 | $ 23,120,000 | $ 296,000 | $ 133,000 |
| Whitman County Washington | 70 | $ 14,670,000 | $ 209,000 | $ 99,000 |
| Bonner County Idaho | 64 | $ 17,180,000 | $ 268,000 | $ 184,000 |
| King County Washington | 57 | $ 48,505,000 | $ 850,000 | $ 390,000 |
| Latah County Idaho | 46 | $ 10,260,000 | $ 223,000 | $ 136,000 |
| Benton County Washington | 46 | $ 13,450,000 | $ 292,000 | $ 102,000 |
| Stevens County Washington | 40 | $ 6,550,000 | $ 163,000 | $ 80,000 |
| Lane County Oregon | 38 | $ 10,600,000 | $ 278,000 | $ 93,000 |
| Chelan County Washington | 32 | $ 6,130,000 | $ 191,000 | $ 84,000 |
| Walla Walla County Washington | 29 | $ 7,135,000 | $ 246,000 | $ 99,000 |
| Franklin County Washington | 20 | $ 4,350,000 | $ 217,000 | $ 79,000 |
| Nez Perce County Idaho | 17 | $ 6,805,000 | $ 400,000 | $ 72,000 |
| Pend Oreille County Washington | 16 | $ 2,910,000 | $ 181,000 | $ 113,000 |
| Douglas County Washington | 15 | $ 2,835,000 | $ 189,000 | $ 74,000 |
| Benton County Oregon | 12 | $ 3,010,000 | $ 250,000 | $ 97,000 |
| Snohomish County Washington | 12 | $ 7,070,000 | $ 589,000 | $ 271,000 |
| Jackson County Oregon | 11 | $ 3,055,000 | $ 277,000 | $ 86,000 |
| Clackamas County Oregon | 8 | $ 5,750,000 | $ 718,000 | $ 354,000 |
| Multnomah County Oregon | 8 | $ 14,600,000 | $ 1,825,000 | $ 472,000 |
| Maricopa County Arizona | 6 | $ 2,320,000 | $ 386,000 | $ 362,000 |
| Lincoln County Washington | 6 | $ 1,310,000 | $ 218,000 | $ 70,000 |
| Skagit County Washington | 6 | $ 3,270,000 | $ 545,000 | $ 291,000 |
| Riverside County California | 5 | $ 2,895,000 | $ 579,000 | $ 289,000 |
| Valley County Idaho | 5 | $ 2,795,000 | $ 559,000 | $ 515,000 |
| Yakima County Washington | 5 | $ 3,545,000 | $ 709,000 | $ 79,000 |
| Benewah County Idaho | 4 | $ 700,000 | $ 175,000 | $ 90,000 |
| Washington County Oregon | 4 | $ 1,000,000 | $ 250,000 | $ 86,000 |
| Pierce County Washington | 4 | $ 26,990,000 | $ 6,747,000 | $ 260,000 |
| Blaine County Idaho | 3 | $ 1,535,000 | $ 511,000 | $ 429,000 |
| Elmore County Idaho | 3 | $ 5,505,000 | $ 1,835,000 | $ 167,000 |
| Shoshone County Idaho | 3 | $ 245,000 | $ 81,000 | $ 30,000 |
| Gallatin County Montana | 3 | $ 2,605,000 | $ 868,000 | $ 293,000 |
| Asotin County Washington | 3 | $ 15,925,000 | $ 5,308,000 | $ 91,000 |
| Butte County California | 2 | $ 510,000 | $ 255,000 | $ 89,000 |
| Los Angeles County California | 2 | $ 1,280,000 | $ 640,000 | $ 62,000 |
| San Diego County California | 2 | $ 810,000 | $ 405,000 | $ 603,000 |
| Fremont County Colorado | 2 | $ 560,000 | $ 280,000 | $ 152,000 |
| Maui County Hawaii | 2 | $ 1,380,000 | $ 690,000 | $ 0 |
| Adams County Idaho | 2 | $ 660,000 | $ 330,000 | $ 352,000 |
| Boise County Idaho | 2 | $ 390,000 | $ 195,000 | $ 65,000 |
| Idaho County Idaho | 2 | $ 260,000 | $ 130,000 | $ 49,000 |
| Payette County Idaho | 2 | $ 130,000 | $ 65,000 | $ 82,000 |
| Stillwater County Montana | 2 | $ 500,000 | $ 250,000 | $ 91,000 |
| Adams County Washington | 2 | $ 280,000 | $ 140,000 | $ 66,000 |
| Kittitas County Washington | 2 | $ 520,000 | $ 260,000 | $ 330,000 |
| Cherokee County Alabama | 1 | $ 155,000 | $ 155,000 | $ 141,000 |
| Yavapai County Arizona | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
| Amador County California | 1 | $ 405,000 | $ 405,000 | $ 82,000 |
| Orange County California | 1 | $ 1,005,000 | $ 1,005,000 | $ 299,000 |
| Placer County California | 1 | $ 205,000 | $ 205,000 | $ 62,000 |
| Sonoma County California | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Denver County Colorado | 1 | $ 885,000 | $ 885,000 | $ 330,000 |
| Brevard County Florida | 1 | $ 305,000 | $ 305,000 | $ 125,000 |
| Hawaii County Hawaii | 1 | $ 555,000 | $ 555,000 | $ 62,000 |
| Bonneville County Idaho | 1 | $ 295,000 | $ 295,000 | $ 71,000 |
| Boundary County Idaho | 1 | $ 275,000 | $ 275,000 | $ 265,000 |
| Clearwater County Idaho | 1 | $ 245,000 | $ 245,000 | $ 70,000 |
| Gem County Idaho | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Jerome County Idaho | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Owyhee County Idaho | 1 | $ 345,000 | $ 345,000 | $ 274,000 |
| Twin Falls County Idaho | 1 | $ 185,000 | $ 185,000 | $ 73,000 |
| Allen County Indiana | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Boone County Kentucky | 1 | $ 265,000 | $ 265,000 | $ 102,000 |
| Ravalli County Montana | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Clark County Nevada | 1 | $ 185,000 | $ 185,000 | $ 226,000 |
| Ward County North Dakota | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Franklin County Ohio | 1 | $ 255,000 | $ 255,000 | $ 121,000 |
| Crook County Oregon | 1 | $ 305,000 | $ 305,000 | $ 153,000 |
| Josephine County Oregon | 1 | $ 275,000 | $ 275,000 | $ 105,000 |
| Lincoln County Oregon | 1 | $ 65,000 | $ 65,000 | $ 153,000 |
| Morrow County Oregon | 1 | $ 125,000 | $ 125,000 | $ 83,000 |
| Umatilla County Oregon | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
| Montgomery County Pennsylvania | 1 | $ 455,000 | $ 455,000 | $ 524,000 |
| Providence County Rhode Island | 1 | $ 335,000 | $ 335,000 | $ 35,000 |
| Charleston County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 119,000 |
| Sumner County Tennessee | 1 | $ 445,000 | $ 445,000 | $ 108,000 |
| Tarrant County Texas | 1 | $ 165,000 | $ 165,000 | $ 43,000 |
| Montgomery County Virginia | 1 | $ 195,000 | $ 195,000 | $ 83,000 |
| Clallam County Washington | 1 | $ 455,000 | $ 455,000 | $ 549,000 |
| Island County Washington | 1 | $ 435,000 | $ 435,000 | $ 279,000 |
| Jefferson County Washington | 1 | $ 285,000 | $ 285,000 | $ 132,000 |
| Kitsap County Washington | 1 | $ 455,000 | $ 455,000 | $ 180,000 |
| Klickitat County Washington | 1 | $ 285,000 | $ 285,000 | $ 142,000 |
| San Juan County Washington | 1 | $ 1,245,000 | $ 1,245,000 | $ 0 |
| Teton County Wyoming | 1 | $ 1,185,000 | $ 1,185,000 | $ 0 |
Mortgage Loan Application Detail Totals for Washington Trust Bank in 2018
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 | 1,198 | $367,340,000 | $306,000 | $25,705,000 | $141,000 | $7,958,000 |
| Cash-out Refinancing | 391 | $128,505,000 | $328,000 | $13,645,000 | $129,000 | $2,074,000 |
| Refinancing | 177 | $74,095,000 | $418,000 | $9,495,000 | $155,000 | $750,000 |
| Other Purpose | 113 | $23,045,000 | $203,000 | $3,365,000 | $173,000 | $1,754,000 |
| Home Improvement | 47 | $13,905,000 | $295,000 | $7,345,000 | $103,000 | $524,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,297 | $320,345,000 | $246,000 | $3,365,000 | $132,000 | $7,958,000 |
| Not Provided | 334 | $102,960,000 | $308,000 | $2,705,000 | $190,000 | $1,178,000 |
| Not applicable | 130 | $147,160,000 | $1,132,000 | $25,705,000 | $0 | $0 |
| Hispanic | 86 | $16,820,000 | $195,000 | $455,000 | $108,000 | $955,000 |
| American Indian or Alaskan Native | 31 | $5,345,000 | $172,000 | $535,000 | $73,000 | $357,000 |
| Asian | 31 | $8,615,000 | $277,000 | $1,085,000 | $130,000 | $510,000 |
| Black or African American | 9 | $2,045,000 | $227,000 | $405,000 | $79,000 | $192,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,200,000 | $600,000 | $645,000 | $250,000 | $438,000 |
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) | 1,648 | $544,060,000 | $330,000 | $25,705,000 | $153,000 | $7,958,000 |
| FHA-insured (Federal Housing Administration) | 176 | $36,790,000 | $209,000 | $385,000 | $69,000 | $177,000 |
| VA-guaranteed (Veterans Administration) | 87 | $22,775,000 | $261,000 | $605,000 | $85,000 | $424,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $3,265,000 | $217,000 | $335,000 | $62,000 | $78,000 |
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 | 1,322 | $466,620,000 | $352,000 | $25,705,000 | $154,000 | $7,958,000 |
| Application Denied By Financial Institution | 308 | $69,830,000 | $226,000 | $2,705,000 | $106,000 | $1,200,000 |
| Application Withdrawn By Applicant | 249 | $59,875,000 | $240,000 | $1,295,000 | $127,000 | $1,026,000 |
| File Closed For Incompleteness | 37 | $9,535,000 | $257,000 | $1,765,000 | $112,000 | $1,111,000 |
| Application Approved But Not Accepted | 10 | $1,030,000 | $103,000 | $295,000 | $100,000 | $369,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,618 | $537,060,000 | $331,000 | $25,705,000 | $148,000 | $7,958,000 |
| Credit History | 86 | $14,360,000 | $166,000 | $965,000 | $94,000 | $445,000 |
| Debt-To-Income Ratio | 86 | $15,140,000 | $176,000 | $805,000 | $57,000 | $306,000 |
| Credit Application Incomplete | 66 | $22,570,000 | $341,000 | $1,955,000 | $191,000 | $1,200,000 |
| Collateral | 41 | $9,045,000 | $220,000 | $1,755,000 | $114,000 | $940,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $3,485,000 | $316,000 | $885,000 | $110,000 | $397,000 |
| Employment History | 8 | $1,310,000 | $163,000 | $275,000 | $42,000 | $82,000 |
| Other | 5 | $3,135,000 | $627,000 | $2,705,000 | $0 | $0 |
| Unverifiable Information | 5 | $785,000 | $157,000 | $365,000 | $45,000 | $78,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Trust Bank's 2018 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.