Washington Trust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Washington Trust Bank 2019 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 | 3,389 |
| Total Mortgage Loan Application Amount | $1,005,805,000 |
| Average Mortgage Loan Application Amount | $262,200 |
| Highest Mortgage Loan Application Amount | $22,415,000 |
| Average Applicant Income | $167,600 |
| Highest Applicant Income | $7,738,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 1,348 | $ 300,280,000 | $ 222,000 | $ 149,000 |
| Ada County Idaho | 307 | $ 95,335,000 | $ 310,000 | $ 159,000 |
| Kootenai County Idaho | 278 | $ 69,770,000 | $ 250,000 | $ 143,000 |
| Canyon County Idaho | 200 | $ 28,710,000 | $ 143,000 | $ 84,000 |
| Grant County Washington | 148 | $ 21,950,000 | $ 148,000 | $ 98,000 |
| King County Washington | 124 | $ 172,290,000 | $ 1,389,000 | $ 672,000 |
| Chelan County Washington | 93 | $ 19,505,000 | $ 209,000 | $ 122,000 |
| Bonner County Idaho | 83 | $ 25,575,000 | $ 308,000 | $ 171,000 |
| Whitman County Washington | 80 | $ 23,730,000 | $ 296,000 | $ 125,000 |
| Stevens County Washington | 77 | $ 12,335,000 | $ 160,000 | $ 99,000 |
| Deschutes County Oregon | 69 | $ 18,935,000 | $ 274,000 | $ 104,000 |
| Douglas County Washington | 60 | $ 8,630,000 | $ 143,000 | $ 103,000 |
| Benton County Washington | 59 | $ 24,635,000 | $ 417,000 | $ 165,000 |
| Lane County Oregon | 39 | $ 12,065,000 | $ 309,000 | $ 121,000 |
| Latah County Idaho | 27 | $ 13,135,000 | $ 486,000 | $ 142,000 |
| Franklin County Washington | 25 | $ 6,375,000 | $ 255,000 | $ 101,000 |
| Nez Perce County Idaho | 21 | $ 4,205,000 | $ 200,000 | $ 98,000 |
| Polk County Oregon | 19 | $ 5,055,000 | $ 266,000 | $ 89,000 |
| Snohomish County Washington | 19 | $ 8,575,000 | $ 451,000 | $ 161,000 |
| Valley County Idaho | 17 | $ 9,305,000 | $ 547,000 | $ 396,000 |
| Jackson County Oregon | 15 | $ 3,745,000 | $ 249,000 | $ 113,000 |
| Pend Oreille County Washington | 15 | $ 2,505,000 | $ 167,000 | $ 89,000 |
| Maricopa County Arizona | 13 | $ 8,165,000 | $ 628,000 | $ 519,000 |
| Washington County Oregon | 12 | $ 3,560,000 | $ 296,000 | $ 182,000 |
| Yakima County Washington | 12 | $ 3,310,000 | $ 275,000 | $ 81,000 |
| Clackamas County Oregon | 11 | $ 5,435,000 | $ 494,000 | $ 527,000 |
| Multnomah County Oregon | 11 | $ 3,265,000 | $ 296,000 | $ 222,000 |
| Okanogan County Washington | 10 | $ 2,320,000 | $ 232,000 | $ 471,000 |
| Walla Walla County Washington | 10 | $ 2,860,000 | $ 286,000 | $ 139,000 |
| Elmore County Idaho | 9 | $ 1,785,000 | $ 198,000 | $ 92,000 |
| Linn County Oregon | 9 | $ 1,915,000 | $ 212,000 | $ 74,000 |
| Riverside County California | 8 | $ 6,500,000 | $ 812,000 | $ 2,856,000 |
| Lincoln County Washington | 7 | $ 1,795,000 | $ 256,000 | $ 86,000 |
| Pierce County Washington | 7 | $ 21,955,000 | $ 3,136,000 | $ 190,000 |
| Kitsap County Washington | 6 | $ 2,340,000 | $ 390,000 | $ 451,000 |
| Shoshone County Idaho | 5 | $ 815,000 | $ 163,000 | $ 105,000 |
| Umatilla County Oregon | 5 | $ 845,000 | $ 169,000 | $ 67,000 |
| Ferry County Washington | 5 | $ 675,000 | $ 135,000 | $ 48,000 |
| Thurston County Washington | 5 | $ 1,565,000 | $ 313,000 | $ 111,000 |
| Blaine County Idaho | 4 | $ 9,200,000 | $ 2,300,000 | $ 225,000 |
| Boise County Idaho | 4 | $ 660,000 | $ 165,000 | $ 133,000 |
| Gem County Idaho | 4 | $ 300,000 | $ 75,000 | $ 171,000 |
| Owyhee County Idaho | 4 | $ 1,340,000 | $ 335,000 | $ 183,000 |
| Adams County Washington | 4 | $ 360,000 | $ 90,000 | $ 221,000 |
| Clark County Washington | 4 | $ 1,600,000 | $ 400,000 | $ 221,000 |
| Kittitas County Washington | 4 | $ 2,060,000 | $ 515,000 | $ 557,000 |
| Boundary County Idaho | 3 | $ 455,000 | $ 151,000 | $ 117,000 |
| Lewis County Idaho | 3 | $ 165,000 | $ 55,000 | $ 70,000 |
| Lincoln County Idaho | 3 | $ 375,000 | $ 125,000 | $ 51,000 |
| Washington County Idaho | 3 | $ 385,000 | $ 128,000 | $ 64,000 |
| Stillwater County Montana | 3 | $ 1,065,000 | $ 355,000 | $ 108,000 |
| Wallowa County Oregon | 3 | $ 755,000 | $ 251,000 | $ 114,000 |
| Pima County Arizona | 2 | $ 300,000 | $ 150,000 | $ 309,000 |
| Los Angeles County California | 2 | $ 670,000 | $ 335,000 | $ 161,000 |
| Monterey County California | 2 | $ 2,270,000 | $ 1,135,000 | $ 290,000 |
| Denver County Colorado | 2 | $ 1,640,000 | $ 820,000 | $ 0 |
| Benewah County Idaho | 2 | $ 260,000 | $ 130,000 | $ 58,000 |
| Payette County Idaho | 2 | $ 170,000 | $ 85,000 | $ 74,000 |
| Cook County Illinois | 2 | $ 1,150,000 | $ 575,000 | $ 245,000 |
| Madison County Montana | 2 | $ 610,000 | $ 305,000 | $ 178,000 |
| Mineral County Montana | 2 | $ 710,000 | $ 355,000 | $ 132,000 |
| Yellowstone County Montana | 2 | $ 380,000 | $ 190,000 | $ 157,000 |
| Tillamook County Oregon | 2 | $ 970,000 | $ 485,000 | $ 644,000 |
| Grays Harbor County Washington | 2 | $ 240,000 | $ 120,000 | $ 26,000 |
| Island County Washington | 2 | $ 1,190,000 | $ 595,000 | $ 161,000 |
| Whatcom County Washington | 2 | $ 1,780,000 | $ 890,000 | $ 96,000 |
| Anchorage County Alaska | 1 | $ 415,000 | $ 415,000 | $ 176,000 |
| Ketchikan Gateway County Alaska | 1 | $ 505,000 | $ 505,000 | $ 448,000 |
| Pinal County Arizona | 1 | $ 605,000 | $ 605,000 | $ 251,000 |
| Orange County California | 1 | $ 1,505,000 | $ 1,505,000 | $ 527,000 |
| San Diego County California | 1 | $ 2,815,000 | $ 2,815,000 | $ 0 |
| San Francisco County California | 1 | $ 1,025,000 | $ 1,025,000 | $ 330,000 |
| San Mateo County California | 1 | $ 625,000 | $ 625,000 | $ 113,000 |
| Santa Cruz County California | 1 | $ 715,000 | $ 715,000 | $ 166,000 |
| Solano County California | 1 | $ 475,000 | $ 475,000 | $ 98,000 |
| Yuba County California | 1 | $ 305,000 | $ 305,000 | $ 73,000 |
| Weld County Colorado | 1 | $ 325,000 | $ 325,000 | $ 60,000 |
| New Haven County Connecticut | 1 | $ 255,000 | $ 255,000 | $ 125,000 |
| Pasco County Florida | 1 | $ 145,000 | $ 145,000 | $ 94,000 |
| Adams County Idaho | 1 | $ 505,000 | $ 505,000 | $ 86,000 |
| Bonneville County Idaho | 1 | $ 215,000 | $ 215,000 | $ 58,000 |
| Cassia County Idaho | 1 | $ 485,000 | $ 485,000 | $ 106,000 |
| Fremont County Idaho | 1 | $ 75,000 | $ 75,000 | $ 377,000 |
| Twin Falls County Idaho | 1 | $ 265,000 | $ 265,000 | $ 85,000 |
| Johnson County Kansas | 1 | $ 55,000 | $ 55,000 | $ 192,000 |
| Taylor County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 2,000 |
| Hennepin County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 93,000 |
| Gallatin County Montana | 1 | $ 255,000 | $ 255,000 | $ 842,000 |
| Granite County Montana | 1 | $ 265,000 | $ 265,000 | $ 257,000 |
| Lancaster County Nebraska | 1 | $ 475,000 | $ 475,000 | $ 360,000 |
| Clark County Nevada | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Dona Ana County New Mexico | 1 | $ 195,000 | $ 195,000 | $ 156,000 |
| Taos County New Mexico | 1 | $ 365,000 | $ 365,000 | $ 251,000 |
| Baker County Oregon | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Crook County Oregon | 1 | $ 295,000 | $ 295,000 | $ 156,000 |
| Gilliam County Oregon | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Marion County Oregon | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Yamhill County Oregon | 1 | $ 285,000 | $ 285,000 | $ 428,000 |
| Cumberland County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Greenville County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 65,000 |
| Cannon County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 29,000 |
| Loudon County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 240,000 |
| Harris County Texas | 1 | $ 315,000 | $ 315,000 | $ 170,000 |
| Salt Lake County Utah | 1 | $ 255,000 | $ 255,000 | $ 229,000 |
| Summit County Utah | 1 | $ 205,000 | $ 205,000 | $ 641,000 |
| Asotin County Washington | 1 | $ 235,000 | $ 235,000 | $ 60,000 |
| Clallam County Washington | 1 | $ 485,000 | $ 485,000 | $ 412,000 |
| Jefferson County Washington | 1 | $ 325,000 | $ 325,000 | $ 113,000 |
| Lewis County Washington | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| San Juan County Washington | 1 | $ 345,000 | $ 345,000 | $ 277,000 |
| Skagit County Washington | 1 | $ 85,000 | $ 85,000 | $ 179,000 |
| Skamania County Washington | 1 | $ 1,305,000 | $ 1,305,000 | $ 351,000 |
Mortgage Loan Application Detail Totals for Washington Trust Bank in 2019
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 | 1,213 | $452,455,000 | $373,000 | $17,275,000 | $153,000 | $5,635,000 |
| Cash-out Refinancing | 751 | $241,685,000 | $321,000 | $22,415,000 | $171,000 | $7,738,000 |
| Refinancing | 572 | $183,620,000 | $321,000 | $15,505,000 | $229,000 | $6,954,000 |
| Other Purpose | 465 | $78,375,000 | $168,000 | $5,005,000 | $163,000 | $1,726,000 |
| Home Improvement | 388 | $49,670,000 | $128,000 | $12,005,000 | $122,000 | $1,154,000 |
| 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 | 2,213 | $551,025,000 | $248,000 | $15,505,000 | $147,000 | $7,738,000 |
| Not Provided | 800 | $223,470,000 | $279,000 | $5,005,000 | $236,000 | $4,637,000 |
| Not applicable | 151 | $184,085,000 | $1,219,000 | $22,415,000 | $0 | $0 |
| Hispanic | 150 | $25,770,000 | $171,000 | $845,000 | $77,000 | $578,000 |
| Asian | 30 | $10,120,000 | $337,000 | $1,605,000 | $189,000 | $650,000 |
| Black or African American | 15 | $3,045,000 | $203,000 | $455,000 | $126,000 | $350,000 |
| American Indian or Alaskan Native | 13 | $1,745,000 | $134,000 | $285,000 | $87,000 | $170,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $885,000 | $295,000 | $325,000 | $97,000 | $132,000 |
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) | 3,142 | $943,150,000 | $300,000 | $22,415,000 | $174,000 | $7,738,000 |
| FHA-insured (Federal Housing Administration) | 144 | $32,600,000 | $226,000 | $405,000 | $75,000 | $286,000 |
| VA-guaranteed (Veterans Administration) | 99 | $28,855,000 | $291,000 | $545,000 | $88,000 | $597,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,200,000 | $300,000 | $435,000 | $78,000 | $111,000 |
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 | 2,303 | $754,855,000 | $327,000 | $22,415,000 | $189,000 | $6,954,000 |
| Application Denied By Financial Institution | 519 | $94,855,000 | $182,000 | $2,505,000 | $86,000 | $795,000 |
| Application Withdrawn By Applicant | 363 | $107,855,000 | $297,000 | $5,005,000 | $175,000 | $7,738,000 |
| File Closed For Incompleteness | 160 | $38,030,000 | $237,000 | $1,605,000 | $109,000 | $650,000 |
| Application Approved But Not Accepted | 44 | $10,210,000 | $232,000 | $5,005,000 | $190,000 | $1,155,000 |
| 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 | 2,870 | $910,950,000 | $317,000 | $22,415,000 | $182,000 | $7,738,000 |
| Debt-To-Income Ratio | 197 | $37,925,000 | $192,000 | $2,505,000 | $59,000 | $236,000 |
| Credit History | 163 | $22,965,000 | $140,000 | $985,000 | $94,000 | $736,000 |
| Collateral | 96 | $20,220,000 | $210,000 | $1,485,000 | $122,000 | $795,000 |
| Other | 25 | $4,135,000 | $165,000 | $625,000 | $88,000 | $210,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $4,100,000 | $292,000 | $785,000 | $121,000 | $597,000 |
| Credit Application Incomplete | 10 | $2,090,000 | $209,000 | $445,000 | $113,000 | $336,000 |
| Employment History | 9 | $2,295,000 | $255,000 | $805,000 | $70,000 | $250,000 |
| Unverifiable Information | 5 | $1,125,000 | $225,000 | $405,000 | $113,000 | $202,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Trust Bank's 2019 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.