Washington Trust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Washington Trust Bank 2020 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 | 4,404 |
| Total Mortgage Loan Application Amount | $1,378,600,000 |
| Average Mortgage Loan Application Amount | $272,200 |
| Highest Mortgage Loan Application Amount | $20,005,000 |
| Average Applicant Income | $178,200 |
| Highest Applicant Income | $9,772,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 1,754 | $ 425,990,000 | $ 242,000 | $ 150,000 |
| Kootenai County Idaho | 343 | $ 99,355,000 | $ 289,000 | $ 158,000 |
| King County Washington | 343 | $ 233,595,000 | $ 681,000 | $ 429,000 |
| Ada County Idaho | 323 | $ 89,515,000 | $ 277,000 | $ 143,000 |
| Grant County Washington | 155 | $ 27,165,000 | $ 175,000 | $ 114,000 |
| Canyon County Idaho | 136 | $ 26,030,000 | $ 191,000 | $ 95,000 |
| Whitman County Washington | 126 | $ 29,270,000 | $ 232,000 | $ 136,000 |
| Bonner County Idaho | 121 | $ 39,015,000 | $ 322,000 | $ 189,000 |
| Chelan County Washington | 105 | $ 22,715,000 | $ 216,000 | $ 107,000 |
| Stevens County Washington | 103 | $ 17,985,000 | $ 174,000 | $ 76,000 |
| Douglas County Washington | 80 | $ 18,530,000 | $ 231,000 | $ 98,000 |
| Benton County Washington | 59 | $ 16,505,000 | $ 279,000 | $ 123,000 |
| Latah County Idaho | 53 | $ 21,105,000 | $ 398,000 | $ 185,000 |
| Snohomish County Washington | 51 | $ 27,185,000 | $ 533,000 | $ 202,000 |
| Deschutes County Oregon | 49 | $ 19,735,000 | $ 402,000 | $ 217,000 |
| Lane County Oregon | 48 | $ 14,660,000 | $ 305,000 | $ 97,000 |
| Franklin County Washington | 39 | $ 7,555,000 | $ 193,000 | $ 84,000 |
| Nez Perce County Idaho | 29 | $ 8,185,000 | $ 282,000 | $ 103,000 |
| Maricopa County Arizona | 24 | $ 10,040,000 | $ 418,000 | $ 332,000 |
| Multnomah County Oregon | 22 | $ 8,620,000 | $ 391,000 | $ 256,000 |
| Lincoln County Washington | 22 | $ 3,900,000 | $ 177,000 | $ 89,000 |
| Pierce County Washington | 21 | $ 27,925,000 | $ 1,329,000 | $ 469,000 |
| Kitsap County Washington | 17 | $ 7,795,000 | $ 458,000 | $ 302,000 |
| Valley County Idaho | 16 | $ 8,510,000 | $ 531,000 | $ 561,000 |
| Clackamas County Oregon | 16 | $ 6,740,000 | $ 421,000 | $ 310,000 |
| Clark County Washington | 14 | $ 5,930,000 | $ 423,000 | $ 219,000 |
| Kittitas County Washington | 14 | $ 10,270,000 | $ 733,000 | $ 455,000 |
| Pend Oreille County Washington | 14 | $ 3,820,000 | $ 272,000 | $ 121,000 |
| Jackson County Oregon | 13 | $ 3,245,000 | $ 249,000 | $ 77,000 |
| Washington County Oregon | 13 | $ 4,795,000 | $ 368,000 | $ 501,000 |
| Asotin County Washington | 11 | $ 2,485,000 | $ 225,000 | $ 114,000 |
| Island County Washington | 11 | $ 6,335,000 | $ 575,000 | $ 272,000 |
| Riverside County California | 10 | $ 11,270,000 | $ 1,127,000 | $ 1,355,000 |
| Adams County Washington | 10 | $ 1,320,000 | $ 132,000 | $ 115,000 |
| Blaine County Idaho | 9 | $ 4,525,000 | $ 502,000 | $ 467,000 |
| Linn County Oregon | 8 | $ 2,240,000 | $ 280,000 | $ 129,000 |
| Polk County Oregon | 8 | $ 2,170,000 | $ 271,000 | $ 80,000 |
| Boise County Idaho | 7 | $ 795,000 | $ 113,000 | $ 129,000 |
| Skagit County Washington | 7 | $ 5,245,000 | $ 749,000 | $ 147,000 |
| Yakima County Washington | 7 | $ 2,005,000 | $ 286,000 | $ 105,000 |
| Santa Clara County California | 6 | $ 3,370,000 | $ 561,000 | $ 297,000 |
| Owyhee County Idaho | 6 | $ 760,000 | $ 126,000 | $ 132,000 |
| Clark County Nevada | 6 | $ 26,100,000 | $ 4,350,000 | $ 170,000 |
| Benton County Oregon | 6 | $ 1,620,000 | $ 270,000 | $ 96,000 |
| Denver County Colorado | 5 | $ 2,965,000 | $ 593,000 | $ 149,000 |
| Elmore County Idaho | 5 | $ 805,000 | $ 161,000 | $ 246,000 |
| Shoshone County Idaho | 5 | $ 1,175,000 | $ 235,000 | $ 233,000 |
| Mohave County Arizona | 4 | $ 1,210,000 | $ 302,000 | $ 87,000 |
| Marion County Oregon | 4 | $ 760,000 | $ 190,000 | $ 87,000 |
| Lewis County Washington | 4 | $ 1,020,000 | $ 255,000 | $ 126,000 |
| Okanogan County Washington | 4 | $ 960,000 | $ 240,000 | $ 124,000 |
| Walla Walla County Washington | 4 | $ 750,000 | $ 187,000 | $ 92,000 |
| Pima County Arizona | 3 | $ 1,985,000 | $ 661,000 | $ 512,000 |
| Pinal County Arizona | 3 | $ 805,000 | $ 268,000 | $ 168,000 |
| Alameda County California | 3 | $ 985,000 | $ 328,000 | $ 116,000 |
| Los Angeles County California | 3 | $ 1,795,000 | $ 598,000 | $ 149,000 |
| Orange County California | 3 | $ 1,365,000 | $ 455,000 | $ 848,000 |
| Boundary County Idaho | 3 | $ 665,000 | $ 221,000 | $ 105,000 |
| Gem County Idaho | 3 | $ 415,000 | $ 138,000 | $ 214,000 |
| Flathead County Montana | 3 | $ 1,045,000 | $ 348,000 | $ 201,000 |
| Tillamook County Oregon | 3 | $ 925,000 | $ 308,000 | $ 339,000 |
| Umatilla County Oregon | 3 | $ 715,000 | $ 238,000 | $ 119,000 |
| Columbia County Washington | 3 | $ 555,000 | $ 185,000 | $ 95,000 |
| San Juan County Washington | 3 | $ 3,105,000 | $ 1,035,000 | $ 850,000 |
| Thurston County Washington | 3 | $ 845,000 | $ 281,000 | $ 92,000 |
| Whatcom County Washington | 3 | $ 2,395,000 | $ 798,000 | $ 198,000 |
| Coconino County Arizona | 2 | $ 560,000 | $ 280,000 | $ 193,000 |
| San Joaquin County California | 2 | $ 430,000 | $ 215,000 | $ 45,000 |
| Santa Cruz County California | 2 | $ 1,340,000 | $ 670,000 | $ 188,000 |
| Fairfield County Connecticut | 2 | $ 1,550,000 | $ 775,000 | $ 316,000 |
| Adams County Idaho | 2 | $ 570,000 | $ 285,000 | $ 156,000 |
| Benewah County Idaho | 2 | $ 560,000 | $ 280,000 | $ 117,000 |
| Idaho County Idaho | 2 | $ 390,000 | $ 195,000 | $ 119,000 |
| Camden County Missouri | 2 | $ 590,000 | $ 295,000 | $ 138,000 |
| Lake County Montana | 2 | $ 1,370,000 | $ 685,000 | $ 98,000 |
| Transylvania County North Carolina | 2 | $ 1,350,000 | $ 675,000 | $ 463,000 |
| Clatsop County Oregon | 2 | $ 550,000 | $ 275,000 | $ 1,619,000 |
| Crook County Oregon | 2 | $ 2,260,000 | $ 1,130,000 | $ 413,000 |
| Knox County Tennessee | 2 | $ 530,000 | $ 265,000 | $ 48,000 |
| Dallas County Texas | 2 | $ 420,000 | $ 210,000 | $ 66,000 |
| Cache County Utah | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Salt Lake County Utah | 2 | $ 780,000 | $ 390,000 | $ 683,000 |
| Clallam County Washington | 2 | $ 790,000 | $ 395,000 | $ 314,000 |
| Jefferson County Washington | 2 | $ 880,000 | $ 440,000 | $ 106,000 |
| Mason County Washington | 2 | $ 530,000 | $ 265,000 | $ 121,000 |
| Kenai Peninsula County Alaska | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Santa Cruz County Arizona | 1 | $ 185,000 | $ 185,000 | $ 290,000 |
| Yuma County Arizona | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| San Benito County California | 1 | $ 355,000 | $ 355,000 | $ 105,000 |
| San Diego County California | 1 | $ 365,000 | $ 365,000 | $ 764,000 |
| San Francisco County California | 1 | $ 55,000 | $ 55,000 | $ 0 |
| San Luis Obispo County California | 1 | $ 505,000 | $ 505,000 | $ 1,077,000 |
| San Mateo County California | 1 | $ 1,115,000 | $ 1,115,000 | $ 227,000 |
| Sonoma County California | 1 | $ 375,000 | $ 375,000 | $ 118,000 |
| Grand County Colorado | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Jefferson County Colorado | 1 | $ 975,000 | $ 975,000 | $ 186,000 |
| Hernando County Florida | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Indian River County Florida | 1 | $ 515,000 | $ 515,000 | $ 156,000 |
| Palm Beach County Florida | 1 | $ 35,000 | $ 35,000 | $ 12,000 |
| Chatham County Georgia | 1 | $ 735,000 | $ 735,000 | $ 295,000 |
| Honolulu County Hawaii | 1 | $ 655,000 | $ 655,000 | $ 30,000 |
| Kauai County Hawaii | 1 | $ 1,005,000 | $ 1,005,000 | $ 592,000 |
| Maui County Hawaii | 1 | $ 445,000 | $ 445,000 | $ 249,000 |
| Custer County Idaho | 1 | $ 165,000 | $ 165,000 | $ 83,000 |
| Payette County Idaho | 1 | $ 215,000 | $ 215,000 | $ 73,000 |
| Twin Falls County Idaho | 1 | $ 225,000 | $ 225,000 | $ 79,000 |
| Washington County Idaho | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Grundy County Illinois | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Allen County Indiana | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Marion County Indiana | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Porter County Indiana | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Allen County Louisiana | 1 | $ 255,000 | $ 255,000 | $ 79,000 |
| Grant County Louisiana | 1 | $ 175,000 | $ 175,000 | $ 79,000 |
| Hampshire County Massachusetts | 1 | $ 305,000 | $ 305,000 | $ 212,000 |
| Carver County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 797,000 |
| Lee County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 71,000 |
| Sanders County Montana | 1 | $ 365,000 | $ 365,000 | $ 53,000 |
| Washoe County Nevada | 1 | $ 415,000 | $ 415,000 | $ 124,000 |
| Merrimack County New Hampshire | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Durham County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 203,000 |
| Baker County Oregon | 1 | $ 95,000 | $ 95,000 | $ 24,000 |
| Hood River County Oregon | 1 | $ 465,000 | $ 465,000 | $ 457,000 |
| Josephine County Oregon | 1 | $ 595,000 | $ 595,000 | $ 436,000 |
| Wallowa County Oregon | 1 | $ 235,000 | $ 235,000 | $ 61,000 |
| Erie County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 49,000 |
| Washington County Rhode Island | 1 | $ 385,000 | $ 385,000 | $ 200,000 |
| Meade County South Dakota | 1 | $ 175,000 | $ 175,000 | $ 38,000 |
| Cannon County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 29,000 |
| Montgomery County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 43,000 |
| Williamson County Tennessee | 1 | $ 1,955,000 | $ 1,955,000 | $ 0 |
| Harris County Texas | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
| Travis County Texas | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Iron County Utah | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Sevier County Utah | 1 | $ 195,000 | $ 195,000 | $ 47,000 |
| Washington County Utah | 1 | $ 515,000 | $ 515,000 | $ 589,000 |
| Alexandria County Virginia | 1 | $ 785,000 | $ 785,000 | $ 0 |
| Richmond City County Virginia | 1 | $ 235,000 | $ 235,000 | $ 110,000 |
| Grays Harbor County Washington | 1 | $ 35,000 | $ 35,000 | $ 174,000 |
| Wahkiakum County Washington | 1 | $ 255,000 | $ 255,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Washington Trust Bank in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,341 | $470,565,000 | $350,000 | $20,005,000 | $211,000 | $9,772,000 |
| Home Purchase | 1,146 | $434,630,000 | $379,000 | $8,005,000 | $166,000 | $4,480,000 |
| Cash-out Refinancing | 1,091 | $328,485,000 | $301,000 | $7,005,000 | $142,000 | $2,082,000 |
| Other Purpose | 484 | $106,660,000 | $220,000 | $2,595,000 | $232,000 | $3,028,000 |
| Home Improvement | 342 | $38,260,000 | $111,000 | $1,805,000 | $140,000 | $1,500,000 |
| 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 | 3,109 | $861,705,000 | $277,000 | $10,005,000 | $154,000 | $5,156,000 |
| Not Provided | 918 | $311,840,000 | $339,000 | $3,005,000 | $271,000 | $9,772,000 |
| Hispanic | 149 | $30,765,000 | $206,000 | $875,000 | $88,000 | $852,000 |
| Not applicable | 95 | $123,405,000 | $1,299,000 | $20,005,000 | $0 | $0 |
| Asian | 56 | $25,170,000 | $449,000 | $1,325,000 | $197,000 | $720,000 |
| American Indian or Alaskan Native | 28 | $5,960,000 | $212,000 | $725,000 | $93,000 | $301,000 |
| Black or African American | 26 | $7,350,000 | $282,000 | $685,000 | $314,000 | $4,480,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $500,000 | $250,000 | $315,000 | $52,000 | $52,000 |
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) | 4,163 | $1,313,715,000 | $315,000 | $20,005,000 | $184,000 | $9,772,000 |
| FHA-insured (Federal Housing Administration) | 130 | $31,420,000 | $241,000 | $555,000 | $67,000 | $227,000 |
| VA-guaranteed (Veterans Administration) | 98 | $30,300,000 | $309,000 | $855,000 | $97,000 | $552,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $3,165,000 | $243,000 | $405,000 | $63,000 | $93,000 |
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 | 2,976 | $983,610,000 | $330,000 | $20,005,000 | $198,000 | $9,772,000 |
| Application Withdrawn By Applicant | 668 | $213,160,000 | $319,000 | $2,395,000 | $170,000 | $4,480,000 |
| Application Denied By Financial Institution | 612 | $141,820,000 | $231,000 | $3,255,000 | $99,000 | $1,200,000 |
| File Closed For Incompleteness | 85 | $20,575,000 | $242,000 | $1,465,000 | $121,000 | $790,000 |
| Application Approved But Not Accepted | 38 | $9,980,000 | $262,000 | $1,285,000 | $324,000 | $3,332,000 |
| Loan Purchased By The Institution | 25 | $9,455,000 | $378,000 | $715,000 | $97,000 | $240,000 |
| 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 | 3,792 | $1,236,780,000 | $326,000 | $20,005,000 | $192,000 | $9,772,000 |
| Debt-To-Income Ratio | 229 | $55,585,000 | $242,000 | $3,005,000 | $70,000 | $655,000 |
| Credit History | 192 | $32,970,000 | $171,000 | $1,485,000 | $100,000 | $1,069,000 |
| Collateral | 111 | $28,365,000 | $255,000 | $2,595,000 | $129,000 | $803,000 |
| Other | 31 | $10,435,000 | $336,000 | $3,255,000 | $169,000 | $1,047,000 |
| Credit Application Incomplete | 21 | $6,225,000 | $296,000 | $1,505,000 | $179,000 | $1,200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $5,145,000 | $467,000 | $2,165,000 | $83,000 | $203,000 |
| Unverifiable Information | 10 | $1,900,000 | $190,000 | $455,000 | $87,000 | $213,000 |
| Employment History | 7 | $1,195,000 | $170,000 | $245,000 | $54,000 | $111,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Trust Bank's 2020 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.