Washington Trust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Washington Trust Bank 2022 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 | 2,931 |
| Total Mortgage Loan Application Amount | $1,279,055,000 |
| Average Mortgage Loan Application Amount | $424,400 |
| Highest Mortgage Loan Application Amount | $15,005,000 |
| Average Applicant Income | $268,800 |
| Highest Applicant Income | $8,960,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 1,067 | $ 310,025,000 | $ 290,000 | $ 201,000 |
| King County Washington | 276 | $ 283,950,000 | $ 1,028,000 | $ 598,000 |
| Ada County Idaho | 213 | $ 88,195,000 | $ 414,000 | $ 203,000 |
| Kootenai County Idaho | 213 | $ 75,215,000 | $ 353,000 | $ 241,000 |
| Grant County Washington | 100 | $ 35,140,000 | $ 351,000 | $ 138,000 |
| Canyon County Idaho | 93 | $ 18,185,000 | $ 195,000 | $ 107,000 |
| Bonner County Idaho | 86 | $ 25,880,000 | $ 300,000 | $ 199,000 |
| Chelan County Washington | 76 | $ 15,470,000 | $ 203,000 | $ 135,000 |
| Whitman County Washington | 70 | $ 22,110,000 | $ 315,000 | $ 161,000 |
| Stevens County Washington | 64 | $ 10,690,000 | $ 167,000 | $ 108,000 |
| Snohomish County Washington | 55 | $ 38,045,000 | $ 691,000 | $ 356,000 |
| Deschutes County Oregon | 53 | $ 28,035,000 | $ 528,000 | $ 288,000 |
| Douglas County Washington | 49 | $ 11,445,000 | $ 233,000 | $ 298,000 |
| Benton County Washington | 37 | $ 17,335,000 | $ 468,000 | $ 162,000 |
| Lane County Oregon | 28 | $ 11,560,000 | $ 412,000 | $ 111,000 |
| Multnomah County Oregon | 27 | $ 15,015,000 | $ 556,000 | $ 199,000 |
| Pend Oreille County Washington | 27 | $ 8,155,000 | $ 302,000 | $ 234,000 |
| Latah County Idaho | 25 | $ 7,435,000 | $ 297,000 | $ 436,000 |
| Clackamas County Oregon | 23 | $ 14,255,000 | $ 619,000 | $ 287,000 |
| Maricopa County Arizona | 22 | $ 16,710,000 | $ 759,000 | $ 709,000 |
| Washington County Oregon | 14 | $ 12,180,000 | $ 870,000 | $ 793,000 |
| Lincoln County Washington | 14 | $ 2,580,000 | $ 184,000 | $ 136,000 |
| Franklin County Washington | 13 | $ 5,495,000 | $ 422,000 | $ 214,000 |
| Kitsap County Washington | 13 | $ 10,705,000 | $ 823,000 | $ 341,000 |
| Pierce County Washington | 12 | $ 11,020,000 | $ 918,000 | $ 429,000 |
| Valley County Idaho | 11 | $ 12,995,000 | $ 1,181,000 | $ 544,000 |
| Riverside County California | 10 | $ 23,210,000 | $ 2,321,000 | $ 833,000 |
| Nez Perce County Idaho | 10 | $ 2,540,000 | $ 254,000 | $ 72,000 |
| Clark County Washington | 9 | $ 12,045,000 | $ 1,338,000 | $ 160,000 |
| Blaine County Idaho | 8 | $ 5,880,000 | $ 735,000 | $ 466,000 |
| Okanogan County Washington | 8 | $ 4,790,000 | $ 598,000 | $ 183,000 |
| Whatcom County Washington | 7 | $ 4,065,000 | $ 580,000 | $ 277,000 |
| Kittitas County Washington | 6 | $ 3,610,000 | $ 601,000 | $ 494,000 |
| Skagit County Washington | 6 | $ 3,250,000 | $ 541,000 | $ 120,000 |
| Yavapai County Arizona | 5 | $ 2,435,000 | $ 487,000 | $ 326,000 |
| Boise County Idaho | 5 | $ 735,000 | $ 147,000 | $ 142,000 |
| Shoshone County Idaho | 5 | $ 735,000 | $ 147,000 | $ 103,000 |
| Washington County Idaho | 5 | $ 1,005,000 | $ 201,000 | $ 100,000 |
| Adams County Washington | 5 | $ 1,095,000 | $ 219,000 | $ 121,000 |
| Yakima County Washington | 5 | $ 1,305,000 | $ 261,000 | $ 342,000 |
| San Diego County California | 4 | $ 10,670,000 | $ 2,667,000 | $ 996,000 |
| Elmore County Idaho | 4 | $ 620,000 | $ 155,000 | $ 89,000 |
| Mohave County Arizona | 3 | $ 955,000 | $ 318,000 | $ 169,000 |
| Pima County Arizona | 3 | $ 865,000 | $ 288,000 | $ 110,000 |
| Pinal County Arizona | 3 | $ 1,115,000 | $ 371,000 | $ 862,000 |
| Alameda County California | 3 | $ 2,795,000 | $ 931,000 | $ 273,000 |
| Orange County California | 3 | $ 6,145,000 | $ 2,048,000 | $ 0 |
| Boundary County Idaho | 3 | $ 1,125,000 | $ 375,000 | $ 97,000 |
| Clearwater County Idaho | 3 | $ 665,000 | $ 221,000 | $ 63,000 |
| Gem County Idaho | 3 | $ 665,000 | $ 221,000 | $ 91,000 |
| Hennepin County Minnesota | 3 | $ 815,000 | $ 271,000 | $ 59,000 |
| Clark County Nevada | 3 | $ 6,255,000 | $ 2,085,000 | $ 206,000 |
| Benton County Oregon | 3 | $ 1,175,000 | $ 391,000 | $ 186,000 |
| Klamath County Oregon | 3 | $ 605,000 | $ 201,000 | $ 46,000 |
| Polk County Oregon | 3 | $ 1,385,000 | $ 461,000 | $ 131,000 |
| Tillamook County Oregon | 3 | $ 2,385,000 | $ 795,000 | $ 250,000 |
| Yamhill County Oregon | 3 | $ 2,325,000 | $ 775,000 | $ 243,000 |
| Grays Harbor County Washington | 3 | $ 1,255,000 | $ 418,000 | $ 179,000 |
| Island County Washington | 3 | $ 2,655,000 | $ 885,000 | $ 253,000 |
| Thurston County Washington | 3 | $ 10,665,000 | $ 3,555,000 | $ 155,000 |
| San Bernardino County California | 2 | $ 540,000 | $ 270,000 | $ 338,000 |
| San Luis Obispo County California | 2 | $ 1,850,000 | $ 925,000 | $ 336,000 |
| Santa Clara County California | 2 | $ 2,720,000 | $ 1,360,000 | $ 564,000 |
| Hartford County Connecticut | 2 | $ 240,000 | $ 120,000 | $ 226,000 |
| Lee County Florida | 2 | $ 560,000 | $ 280,000 | $ 245,000 |
| Fulton County Georgia | 2 | $ 210,000 | $ 105,000 | $ 82,000 |
| Benewah County Idaho | 2 | $ 420,000 | $ 210,000 | $ 201,000 |
| Lewis County Idaho | 2 | $ 680,000 | $ 340,000 | $ 54,000 |
| Columbia County Oregon | 2 | $ 1,210,000 | $ 605,000 | $ 275,000 |
| Crook County Oregon | 2 | $ 3,050,000 | $ 1,525,000 | $ 36,000 |
| Linn County Oregon | 2 | $ 800,000 | $ 400,000 | $ 136,000 |
| Asotin County Washington | 2 | $ 610,000 | $ 305,000 | $ 202,000 |
| Clallam County Washington | 2 | $ 1,190,000 | $ 595,000 | $ 58,000 |
| Ferry County Washington | 2 | $ 930,000 | $ 465,000 | $ 148,000 |
| Mason County Washington | 2 | $ 930,000 | $ 465,000 | $ 94,000 |
| San Juan County Washington | 2 | $ 4,510,000 | $ 2,255,000 | $ 1,800,000 |
| Fairbanks North Star County Alaska | 1 | $ 445,000 | $ 445,000 | $ 142,000 |
| Matanuska-Susitna County Alaska | 1 | $ 515,000 | $ 515,000 | $ 225,000 |
| Butte County California | 1 | $ 375,000 | $ 375,000 | $ 83,000 |
| Los Angeles County California | 1 | $ 1,065,000 | $ 1,065,000 | $ 0 |
| Madera County California | 1 | $ 95,000 | $ 95,000 | $ 52,000 |
| Yolo County California | 1 | $ 305,000 | $ 305,000 | $ 65,000 |
| Denver County Colorado | 1 | $ 685,000 | $ 685,000 | $ 130,000 |
| Routt County Colorado | 1 | $ 665,000 | $ 665,000 | $ 159,000 |
| Fairfield County Connecticut | 1 | $ 825,000 | $ 825,000 | $ 199,000 |
| District of Columbia County District Of Columbia | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Hillsborough County Florida | 1 | $ 135,000 | $ 135,000 | $ 88,000 |
| Monroe County Florida | 1 | $ 1,735,000 | $ 1,735,000 | $ 1,045,000 |
| Pinellas County Florida | 1 | $ 525,000 | $ 525,000 | $ 225,000 |
| Maui County Hawaii | 1 | $ 1,505,000 | $ 1,505,000 | $ 1,450,000 |
| Adams County Idaho | 1 | $ 365,000 | $ 365,000 | $ 129,000 |
| Custer County Idaho | 1 | $ 1,355,000 | $ 1,355,000 | $ 852,000 |
| Idaho County Idaho | 1 | $ 35,000 | $ 35,000 | $ 39,000 |
| Jerome County Idaho | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Owyhee County Idaho | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Payette County Idaho | 1 | $ 155,000 | $ 155,000 | $ 70,000 |
| Twin Falls County Idaho | 1 | $ 325,000 | $ 325,000 | $ 62,000 |
| Lake County Illinois | 1 | $ 315,000 | $ 315,000 | $ 89,000 |
| Madison County Indiana | 1 | $ 235,000 | $ 235,000 | $ 6,000 |
| Marion County Indiana | 1 | $ 255,000 | $ 255,000 | $ 484,000 |
| Vanderburgh County Indiana | 1 | $ 135,000 | $ 135,000 | $ 137,000 |
| Fayette County Iowa | 1 | $ 45,000 | $ 45,000 | $ 163,000 |
| Norfolk County Massachusetts | 1 | $ 1,525,000 | $ 1,525,000 | $ 264,000 |
| Hinds County Mississippi | 1 | $ 285,000 | $ 285,000 | $ 61,000 |
| Flathead County Montana | 1 | $ 825,000 | $ 825,000 | $ 254,000 |
| Mineral County Montana | 1 | $ 405,000 | $ 405,000 | $ 204,000 |
| Missoula County Montana | 1 | $ 545,000 | $ 545,000 | $ 229,000 |
| Sanders County Montana | 1 | $ 855,000 | $ 855,000 | $ 147,000 |
| Silver Bow County Montana | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
| Humboldt County Nevada | 1 | $ 155,000 | $ 155,000 | $ 132,000 |
| Hudson County New Jersey | 1 | $ 645,000 | $ 645,000 | $ 170,000 |
| Bernalillo County New Mexico | 1 | $ 285,000 | $ 285,000 | $ 118,000 |
| New Hanover County North Carolina | 1 | $ 795,000 | $ 795,000 | $ 258,000 |
| Lucas County Ohio | 1 | $ 575,000 | $ 575,000 | $ 217,000 |
| Clatsop County Oregon | 1 | $ 255,000 | $ 255,000 | $ 806,000 |
| Coos County Oregon | 1 | $ 205,000 | $ 205,000 | $ 170,000 |
| Douglas County Oregon | 1 | $ 445,000 | $ 445,000 | $ 121,000 |
| Jackson County Oregon | 1 | $ 325,000 | $ 325,000 | $ 92,000 |
| Jefferson County Oregon | 1 | $ 55,000 | $ 55,000 | $ 101,000 |
| Josephine County Oregon | 1 | $ 125,000 | $ 125,000 | $ 827,000 |
| Marion County Oregon | 1 | $ 445,000 | $ 445,000 | $ 119,000 |
| Morrow County Oregon | 1 | $ 155,000 | $ 155,000 | $ 154,000 |
| Umatilla County Oregon | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Union County Oregon | 1 | $ 275,000 | $ 275,000 | $ 168,000 |
| Wheeler County Oregon | 1 | $ 525,000 | $ 525,000 | $ 145,000 |
| Charleston County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 84,000 |
| Brazos County Texas | 1 | $ 305,000 | $ 305,000 | $ 520,000 |
| Dallas County Texas | 1 | $ 295,000 | $ 295,000 | $ 447,000 |
| Travis County Texas | 1 | $ 645,000 | $ 645,000 | $ 188,000 |
| Salt Lake County Utah | 1 | $ 905,000 | $ 905,000 | $ 192,000 |
| Summit County Utah | 1 | $ 1,125,000 | $ 1,125,000 | $ 597,000 |
| Washington County Utah | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Columbia County Washington | 1 | $ 75,000 | $ 75,000 | $ 111,000 |
| Cowlitz County Washington | 1 | $ 355,000 | $ 355,000 | $ 130,000 |
| Lewis County Washington | 1 | $ 685,000 | $ 685,000 | $ 360,000 |
| Pacific County Washington | 1 | $ 395,000 | $ 395,000 | $ 175,000 |
| Wahkiakum County Washington | 1 | $ 235,000 | $ 235,000 | $ 136,000 |
| Walla Walla County Washington | 1 | $ 235,000 | $ 235,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for Washington Trust Bank in 2022
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 | 905 | $618,315,000 | $683,000 | $15,005,000 | $268,000 | $4,482,000 |
| Cash-out Refinancing | 623 | $259,205,000 | $416,000 | $10,005,000 | $211,000 | $3,034,000 |
| Home Improvement | 600 | $89,820,000 | $149,000 | $4,205,000 | $143,000 | $2,489,000 |
| Other Purpose | 567 | $180,425,000 | $318,000 | $5,305,000 | $322,000 | $6,128,000 |
| Refinancing | 236 | $131,290,000 | $556,000 | $11,855,000 | $400,000 | $8,960,000 |
| 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 | 1,775 | $574,905,000 | $323,000 | $15,005,000 | $196,000 | $8,960,000 |
| Not Provided | 747 | $357,625,000 | $478,000 | $5,305,000 | $401,000 | $6,486,000 |
| Not applicable | 168 | $251,070,000 | $1,494,000 | $14,105,000 | $0 | $0 |
| Hispanic | 111 | $28,125,000 | $253,000 | $1,835,000 | $120,000 | $864,000 |
| Asian | 73 | $48,945,000 | $670,000 | $2,325,000 | $257,000 | $1,747,000 |
| Black or African American | 15 | $6,015,000 | $401,000 | $1,005,000 | $145,000 | $507,000 |
| American Indian or Alaskan Native | 14 | $3,440,000 | $245,000 | $835,000 | $130,000 | $415,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $985,000 | $197,000 | $455,000 | $74,000 | $156,000 |
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) | 2,841 | $1,248,195,000 | $439,000 | $15,005,000 | $255,000 | $8,960,000 |
| FHA-insured (Federal Housing Administration) | 56 | $16,490,000 | $294,000 | $515,000 | $80,000 | $176,000 |
| VA-guaranteed (Veterans Administration) | 32 | $13,880,000 | $433,000 | $1,885,000 | $128,000 | $996,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $490,000 | $245,000 | $305,000 | $71,000 | $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 | 1,978 | $912,720,000 | $461,000 | $14,105,000 | $283,000 | $8,960,000 |
| Application Denied By Financial Institution | 465 | $130,445,000 | $280,000 | $15,005,000 | $120,000 | $4,482,000 |
| Application Withdrawn By Applicant | 361 | $197,225,000 | $546,000 | $11,855,000 | $269,000 | $4,918,000 |
| File Closed For Incompleteness | 51 | $9,695,000 | $190,000 | $715,000 | $161,000 | $1,579,000 |
| Loan Purchased By The Institution | 40 | $14,960,000 | $374,000 | $635,000 | $118,000 | $406,000 |
| Application Approved But Not Accepted | 36 | $14,010,000 | $389,000 | $2,855,000 | $299,000 | $1,523,000 |
| 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 | 2,466 | $1,148,610,000 | $465,000 | $14,105,000 | $275,000 | $8,960,000 |
| Debt-To-Income Ratio | 200 | $59,090,000 | $295,000 | $4,345,000 | $88,000 | $608,000 |
| Credit History | 171 | $24,015,000 | $140,000 | $1,825,000 | $99,000 | $1,194,000 |
| Collateral | 63 | $22,185,000 | $352,000 | $3,005,000 | $165,000 | $1,430,000 |
| Other | 26 | $24,380,000 | $937,000 | $15,005,000 | $458,000 | $4,482,000 |
| Employment History | 2 | $110,000 | $55,000 | $55,000 | $33,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $355,000 | $355,000 | $355,000 | $187,000 | $187,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $60,000 | $60,000 |
| Credit Application Incomplete | 1 | $205,000 | $205,000 | $205,000 | $106,000 | $106,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Trust Bank's 2022 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.