Washington Trust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Washington Trust Bank 2021 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 | 4,148 |
| Total Mortgage Loan Application Amount | $1,413,090,000 |
| Average Mortgage Loan Application Amount | $311,800 |
| Highest Mortgage Loan Application Amount | $10,005,000 |
| Average Applicant Income | $195,400 |
| Highest Applicant Income | $8,939,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 1,648 | $ 426,390,000 | $ 258,000 | $ 153,000 |
| Kootenai County Idaho | 339 | $ 103,655,000 | $ 305,000 | $ 180,000 |
| King County Washington | 304 | $ 240,660,000 | $ 791,000 | $ 515,000 |
| Ada County Idaho | 300 | $ 102,970,000 | $ 343,000 | $ 207,000 |
| Grant County Washington | 142 | $ 36,290,000 | $ 255,000 | $ 103,000 |
| Canyon County Idaho | 129 | $ 22,565,000 | $ 174,000 | $ 82,000 |
| Bonner County Idaho | 119 | $ 39,695,000 | $ 333,000 | $ 191,000 |
| Stevens County Washington | 110 | $ 20,870,000 | $ 189,000 | $ 100,000 |
| Chelan County Washington | 103 | $ 24,865,000 | $ 241,000 | $ 105,000 |
| Whitman County Washington | 101 | $ 27,305,000 | $ 270,000 | $ 148,000 |
| Snohomish County Washington | 75 | $ 36,715,000 | $ 489,000 | $ 205,000 |
| Douglas County Washington | 50 | $ 12,860,000 | $ 257,000 | $ 97,000 |
| Latah County Idaho | 48 | $ 13,220,000 | $ 275,000 | $ 130,000 |
| Franklin County Washington | 42 | $ 11,010,000 | $ 262,000 | $ 116,000 |
| Benton County Washington | 35 | $ 10,535,000 | $ 301,000 | $ 123,000 |
| Lane County Oregon | 31 | $ 10,085,000 | $ 325,000 | $ 150,000 |
| Multnomah County Oregon | 31 | $ 15,285,000 | $ 493,000 | $ 253,000 |
| Maricopa County Arizona | 28 | $ 15,820,000 | $ 565,000 | $ 402,000 |
| Deschutes County Oregon | 25 | $ 13,395,000 | $ 535,000 | $ 204,000 |
| Pend Oreille County Washington | 24 | $ 5,420,000 | $ 225,000 | $ 121,000 |
| Clackamas County Oregon | 21 | $ 12,715,000 | $ 605,000 | $ 545,000 |
| Clark County Washington | 18 | $ 9,200,000 | $ 511,000 | $ 212,000 |
| Kittitas County Washington | 18 | $ 11,000,000 | $ 611,000 | $ 333,000 |
| Nez Perce County Idaho | 17 | $ 4,355,000 | $ 256,000 | $ 108,000 |
| Pierce County Washington | 17 | $ 8,795,000 | $ 517,000 | $ 307,000 |
| Valley County Idaho | 16 | $ 10,380,000 | $ 648,000 | $ 454,000 |
| Lincoln County Washington | 16 | $ 2,710,000 | $ 169,000 | $ 137,000 |
| Blaine County Idaho | 15 | $ 21,425,000 | $ 1,428,000 | $ 370,000 |
| Washington County Oregon | 12 | $ 4,000,000 | $ 333,000 | $ 264,000 |
| Kitsap County Washington | 12 | $ 7,060,000 | $ 588,000 | $ 284,000 |
| Yakima County Washington | 12 | $ 3,540,000 | $ 295,000 | $ 98,000 |
| Polk County Oregon | 10 | $ 3,090,000 | $ 309,000 | $ 103,000 |
| Adams County Washington | 10 | $ 1,610,000 | $ 161,000 | $ 81,000 |
| Riverside County California | 9 | $ 8,095,000 | $ 899,000 | $ 1,174,000 |
| Jackson County Oregon | 9 | $ 2,205,000 | $ 245,000 | $ 87,000 |
| Asotin County Washington | 9 | $ 2,375,000 | $ 263,000 | $ 112,000 |
| Skagit County Washington | 9 | $ 3,905,000 | $ 433,000 | $ 207,000 |
| Marion County Oregon | 8 | $ 2,610,000 | $ 326,000 | $ 94,000 |
| Walla Walla County Washington | 8 | $ 3,080,000 | $ 385,000 | $ 96,000 |
| Orange County California | 7 | $ 6,005,000 | $ 857,000 | $ 1,162,000 |
| Boise County Idaho | 7 | $ 1,035,000 | $ 147,000 | $ 125,000 |
| Boundary County Idaho | 6 | $ 1,160,000 | $ 193,000 | $ 272,000 |
| Shoshone County Idaho | 6 | $ 1,030,000 | $ 171,000 | $ 86,000 |
| Hawaii County Hawaii | 5 | $ 6,625,000 | $ 1,325,000 | $ 144,000 |
| Maui County Hawaii | 5 | $ 10,345,000 | $ 2,069,000 | $ 733,000 |
| Flathead County Montana | 5 | $ 3,545,000 | $ 709,000 | $ 330,000 |
| Clark County Nevada | 5 | $ 4,245,000 | $ 849,000 | $ 139,000 |
| Island County Washington | 5 | $ 2,575,000 | $ 515,000 | $ 228,000 |
| Thurston County Washington | 5 | $ 1,565,000 | $ 313,000 | $ 180,000 |
| Whatcom County Washington | 5 | $ 2,525,000 | $ 505,000 | $ 185,000 |
| Pima County Arizona | 4 | $ 2,000,000 | $ 500,000 | $ 265,000 |
| Owyhee County Idaho | 4 | $ 590,000 | $ 147,000 | $ 59,000 |
| Payette County Idaho | 4 | $ 570,000 | $ 142,000 | $ 62,000 |
| Twin Falls County Idaho | 4 | $ 1,020,000 | $ 255,000 | $ 269,000 |
| Umatilla County Oregon | 4 | $ 1,180,000 | $ 295,000 | $ 89,000 |
| Okanogan County Washington | 4 | $ 1,080,000 | $ 270,000 | $ 151,000 |
| Mohave County Arizona | 3 | $ 855,000 | $ 285,000 | $ 279,000 |
| Pinal County Arizona | 3 | $ 1,975,000 | $ 658,000 | $ 263,000 |
| San Diego County California | 3 | $ 1,315,000 | $ 438,000 | $ 402,000 |
| Gem County Idaho | 3 | $ 755,000 | $ 251,000 | $ 186,000 |
| Silver Bow County Montana | 3 | $ 1,505,000 | $ 501,000 | $ 532,000 |
| Benton County Oregon | 3 | $ 1,035,000 | $ 345,000 | $ 145,000 |
| Josephine County Oregon | 3 | $ 1,985,000 | $ 661,000 | $ 556,000 |
| Yamhill County Oregon | 3 | $ 915,000 | $ 305,000 | $ 363,000 |
| Mobile County Alabama | 2 | $ 110,000 | $ 55,000 | $ 28,000 |
| Coconino County Arizona | 2 | $ 1,260,000 | $ 630,000 | $ 614,000 |
| Yuma County Arizona | 2 | $ 370,000 | $ 185,000 | $ 45,000 |
| San Francisco County California | 2 | $ 2,550,000 | $ 1,275,000 | $ 1,008,000 |
| Santa Clara County California | 2 | $ 2,020,000 | $ 1,010,000 | $ 475,000 |
| Osceola County Florida | 2 | $ 690,000 | $ 345,000 | $ 479,000 |
| Pinellas County Florida | 2 | $ 610,000 | $ 305,000 | $ 134,000 |
| Elmore County Idaho | 2 | $ 260,000 | $ 130,000 | $ 70,000 |
| Cook County Illinois | 2 | $ 990,000 | $ 495,000 | $ 247,000 |
| Montgomery County Kansas | 2 | $ 240,000 | $ 120,000 | $ 85,000 |
| Middlesex County Massachusetts | 2 | $ 2,690,000 | $ 1,345,000 | $ 2,855,000 |
| Lincoln County Montana | 2 | $ 430,000 | $ 215,000 | $ 49,000 |
| Douglas County Oregon | 2 | $ 400,000 | $ 200,000 | $ 102,000 |
| Providence County Rhode Island | 2 | $ 420,000 | $ 210,000 | $ 65,000 |
| Jefferson County Tennessee | 2 | $ 2,010,000 | $ 1,005,000 | $ 380,000 |
| Utah County Utah | 2 | $ 1,690,000 | $ 845,000 | $ 246,000 |
| Ferry County Washington | 2 | $ 210,000 | $ 105,000 | $ 51,000 |
| Lewis County Washington | 2 | $ 520,000 | $ 260,000 | $ 63,000 |
| Anchorage County Alaska | 1 | $ 385,000 | $ 385,000 | $ 183,000 |
| Ketchikan Gateway County Alaska | 1 | $ 755,000 | $ 755,000 | $ 199,000 |
| Lincoln County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
| Butte County California | 1 | $ 235,000 | $ 235,000 | $ 108,000 |
| Contra Costa County California | 1 | $ 735,000 | $ 735,000 | $ 904,000 |
| Los Angeles County California | 1 | $ 145,000 | $ 145,000 | $ 30,000 |
| Marin County California | 1 | $ 155,000 | $ 155,000 | $ 270,000 |
| San Joaquin County California | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Solano County California | 1 | $ 475,000 | $ 475,000 | $ 108,000 |
| Sonoma County California | 1 | $ 655,000 | $ 655,000 | $ 156,000 |
| Sutter County California | 1 | $ 335,000 | $ 335,000 | $ 58,000 |
| Yolo County California | 1 | $ 285,000 | $ 285,000 | $ 96,000 |
| Eagle County Colorado | 1 | $ 1,505,000 | $ 1,505,000 | $ 1,278,000 |
| Larimer County Colorado | 1 | $ 505,000 | $ 505,000 | $ 129,000 |
| Routt County Colorado | 1 | $ 665,000 | $ 665,000 | $ 143,000 |
| New London County Connecticut | 1 | $ 285,000 | $ 285,000 | $ 46,000 |
| Palm Beach County Florida | 1 | $ 255,000 | $ 255,000 | $ 104,000 |
| Seminole County Florida | 1 | $ 255,000 | $ 255,000 | $ 166,000 |
| Henry County Georgia | 1 | $ 245,000 | $ 245,000 | $ 216,000 |
| Kauai County Hawaii | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Adams County Idaho | 1 | $ 115,000 | $ 115,000 | $ 127,000 |
| Benewah County Idaho | 1 | $ 205,000 | $ 205,000 | $ 91,000 |
| Bonneville County Idaho | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Camas County Idaho | 1 | $ 755,000 | $ 755,000 | $ 420,000 |
| Caribou County Idaho | 1 | $ 285,000 | $ 285,000 | $ 78,000 |
| Clearwater County Idaho | 1 | $ 245,000 | $ 245,000 | $ 180,000 |
| Custer County Idaho | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,119,000 |
| Jerome County Idaho | 1 | $ 115,000 | $ 115,000 | $ 83,000 |
| Madison County Idaho | 1 | $ 245,000 | $ 245,000 | $ 70,000 |
| Teton County Idaho | 1 | $ 475,000 | $ 475,000 | $ 106,000 |
| Washington County Idaho | 1 | $ 45,000 | $ 45,000 | $ 91,000 |
| Champaign County Illinois | 1 | $ 255,000 | $ 255,000 | $ 350,000 |
| Vernon County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 56,000 |
| Ottawa County Michigan | 1 | $ 175,000 | $ 175,000 | $ 88,000 |
| Hennepin County Minnesota | 1 | $ 505,000 | $ 505,000 | $ 103,000 |
| Polk County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Greene County Missouri | 1 | $ 55,000 | $ 55,000 | $ 109,000 |
| Gallatin County Montana | 1 | $ 665,000 | $ 665,000 | $ 621,000 |
| Lewis and Clark County Montana | 1 | $ 75,000 | $ 75,000 | $ 259,000 |
| Missoula County Montana | 1 | $ 935,000 | $ 935,000 | $ 974,000 |
| Ravalli County Montana | 1 | $ 545,000 | $ 545,000 | $ 143,000 |
| Yellowstone County Montana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lancaster County Nebraska | 1 | $ 545,000 | $ 545,000 | $ 360,000 |
| Sarpy County Nebraska | 1 | $ 5,000 | $ 5,000 | $ 68,000 |
| Merrimack County New Hampshire | 1 | $ 335,000 | $ 335,000 | $ 107,000 |
| Bergen County New Jersey | 1 | $ 845,000 | $ 845,000 | $ 423,000 |
| Divide County North Dakota | 1 | $ 195,000 | $ 195,000 | $ 87,000 |
| Summit County Ohio | 1 | $ 55,000 | $ 55,000 | $ 477,000 |
| Clatsop County Oregon | 1 | $ 705,000 | $ 705,000 | $ 537,000 |
| Lincoln County Oregon | 1 | $ 315,000 | $ 315,000 | $ 222,000 |
| Linn County Oregon | 1 | $ 295,000 | $ 295,000 | $ 125,000 |
| Malheur County Oregon | 1 | $ 145,000 | $ 145,000 | $ 92,000 |
| Morrow County Oregon | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Tillamook County Oregon | 1 | $ 545,000 | $ 545,000 | $ 360,000 |
| Wasco County Oregon | 1 | $ 845,000 | $ 845,000 | $ 364,000 |
| Kent County Rhode Island | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Charleston County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Greenville County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| Cannon County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 30,000 |
| Tarrant County Texas | 1 | $ 1,005,000 | $ 1,005,000 | $ 462,000 |
| Cache County Utah | 1 | $ 225,000 | $ 225,000 | $ 329,000 |
| Salt Lake County Utah | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
| Arlington County Virginia | 1 | $ 515,000 | $ 515,000 | $ 200,000 |
| Galax County Virginia | 1 | $ 295,000 | $ 295,000 | $ 59,000 |
| Clallam County Washington | 1 | $ 65,000 | $ 65,000 | $ 10,000 |
| Grays Harbor County Washington | 1 | $ 265,000 | $ 265,000 | $ 166,000 |
| Jefferson County Washington | 1 | $ 365,000 | $ 365,000 | $ 86,000 |
| Klickitat County Washington | 1 | $ 245,000 | $ 245,000 | $ 145,000 |
| Mason County Washington | 1 | $ 375,000 | $ 375,000 | $ 116,000 |
| Skamania County Washington | 1 | $ 625,000 | $ 625,000 | $ 176,000 |
| Wahkiakum County Washington | 1 | $ 155,000 | $ 155,000 | $ 130,000 |
| Marathon County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Fremont County Wyoming | 1 | $ 445,000 | $ 445,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Washington Trust Bank in 2021
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 1,142 | $408,040,000 | $357,000 | $10,005,000 | $171,000 | $8,939,000 |
| Home Purchase | 967 | $455,425,000 | $470,000 | $4,095,000 | $201,000 | $5,400,000 |
| Refinancing | 953 | $331,995,000 | $348,000 | $6,175,000 | $208,000 | $4,726,000 |
| Other Purpose | 604 | $158,350,000 | $262,000 | $1,605,000 | $264,000 | $4,279,000 |
| Home Improvement | 482 | $59,280,000 | $122,000 | $2,005,000 | $133,000 | $1,957,000 |
| 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 | 2,699 | $779,865,000 | $288,000 | $2,995,000 | $165,000 | $8,939,000 |
| Not Provided | 1,002 | $409,140,000 | $408,000 | $4,095,000 | $301,000 | $7,675,000 |
| Hispanic | 160 | $34,500,000 | $215,000 | $845,000 | $79,000 | $423,000 |
| Not applicable | 121 | $129,635,000 | $1,071,000 | $10,005,000 | $0 | $0 |
| Asian | 81 | $35,645,000 | $440,000 | $1,875,000 | $171,000 | $974,000 |
| American Indian or Alaskan Native | 33 | $6,995,000 | $211,000 | $515,000 | $72,000 | $154,000 |
| Black or African American | 32 | $9,110,000 | $284,000 | $1,995,000 | $119,000 | $801,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,880,000 | $313,000 | $545,000 | $99,000 | $305,000 |
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) | 3,981 | $1,369,095,000 | $343,000 | $10,005,000 | $200,000 | $8,939,000 |
| FHA-insured (Federal Housing Administration) | 91 | $22,185,000 | $243,000 | $425,000 | $68,000 | $205,000 |
| VA-guaranteed (Veterans Administration) | 72 | $20,590,000 | $285,000 | $735,000 | $79,000 | $185,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,220,000 | $305,000 | $495,000 | $63,000 | $80,000 |
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 | 2,970 | $1,064,410,000 | $358,000 | $10,005,000 | $215,000 | $8,939,000 |
| Application Denied By Financial Institution | 550 | $122,660,000 | $223,000 | $2,505,000 | $91,000 | $1,008,000 |
| Application Withdrawn By Applicant | 471 | $181,495,000 | $385,000 | $4,005,000 | $214,000 | $5,400,000 |
| Loan Purchased By The Institution | 60 | $20,990,000 | $349,000 | $755,000 | $93,000 | $259,000 |
| File Closed For Incompleteness | 58 | $14,370,000 | $247,000 | $1,845,000 | $126,000 | $944,000 |
| Application Approved But Not Accepted | 39 | $9,165,000 | $235,000 | $1,205,000 | $334,000 | $3,503,000 |
| 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 | 3,598 | $1,290,430,000 | $358,000 | $10,005,000 | $212,000 | $8,939,000 |
| Credit History | 197 | $37,615,000 | $190,000 | $2,505,000 | $104,000 | $1,008,000 |
| Debt-To-Income Ratio | 191 | $48,385,000 | $253,000 | $1,825,000 | $55,000 | $357,000 |
| Collateral | 94 | $18,830,000 | $200,000 | $725,000 | $115,000 | $477,000 |
| Other | 28 | $7,220,000 | $257,000 | $785,000 | $129,000 | $480,000 |
| Credit Application Incomplete | 14 | $4,390,000 | $313,000 | $545,000 | $127,000 | $209,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $2,315,000 | $210,000 | $465,000 | $102,000 | $550,000 |
| Unverifiable Information | 10 | $1,590,000 | $159,000 | $415,000 | $83,000 | $264,000 |
| Employment History | 5 | $2,315,000 | $463,000 | $965,000 | $91,000 | $240,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Trust Bank's 2021 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.