Washington Trust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Washington Trust Bank 2023 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 | 1,991 |
| Total Mortgage Loan Application Amount | $793,845,000 |
| Average Mortgage Loan Application Amount | $367,200 |
| Highest Mortgage Loan Application Amount | $12,725,000 |
| Average Applicant Income | $282,600 |
| Highest Applicant Income | $9,586,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 721 | $ 194,095,000 | $ 269,000 | $ 225,000 |
| King County Washington | 189 | $ 184,865,000 | $ 978,000 | $ 559,000 |
| Kootenai County Idaho | 142 | $ 51,030,000 | $ 359,000 | $ 265,000 |
| Ada County Idaho | 138 | $ 39,200,000 | $ 284,000 | $ 193,000 |
| Grant County Washington | 84 | $ 17,490,000 | $ 208,000 | $ 141,000 |
| Canyon County Idaho | 79 | $ 13,535,000 | $ 171,000 | $ 178,000 |
| Stevens County Washington | 58 | $ 10,930,000 | $ 188,000 | $ 110,000 |
| Chelan County Washington | 53 | $ 13,905,000 | $ 262,000 | $ 130,000 |
| Bonner County Idaho | 51 | $ 20,265,000 | $ 397,000 | $ 618,000 |
| Deschutes County Oregon | 46 | $ 23,480,000 | $ 510,000 | $ 300,000 |
| Whitman County Washington | 45 | $ 13,675,000 | $ 303,000 | $ 167,000 |
| Snohomish County Washington | 28 | $ 20,560,000 | $ 734,000 | $ 396,000 |
| Douglas County Washington | 27 | $ 4,055,000 | $ 150,000 | $ 108,000 |
| Latah County Idaho | 26 | $ 11,980,000 | $ 460,000 | $ 267,000 |
| Multnomah County Oregon | 24 | $ 10,350,000 | $ 431,000 | $ 420,000 |
| Benton County Washington | 23 | $ 10,665,000 | $ 463,000 | $ 242,000 |
| Maricopa County Arizona | 14 | $ 12,980,000 | $ 927,000 | $ 588,000 |
| Washington County Oregon | 13 | $ 5,875,000 | $ 451,000 | $ 383,000 |
| Nez Perce County Idaho | 12 | $ 2,350,000 | $ 195,000 | $ 126,000 |
| Clackamas County Oregon | 12 | $ 8,020,000 | $ 668,000 | $ 338,000 |
| Pierce County Washington | 10 | $ 8,630,000 | $ 863,000 | $ 359,000 |
| Riverside County California | 9 | $ 12,605,000 | $ 1,400,000 | $ 566,000 |
| Valley County Idaho | 8 | $ 4,140,000 | $ 517,000 | $ 520,000 |
| Clark County Washington | 8 | $ 1,890,000 | $ 236,000 | $ 517,000 |
| Kittitas County Washington | 8 | $ 6,870,000 | $ 858,000 | $ 813,000 |
| Franklin County Washington | 6 | $ 1,670,000 | $ 278,000 | $ 146,000 |
| Skagit County Washington | 6 | $ 2,420,000 | $ 403,000 | $ 617,000 |
| Whatcom County Washington | 6 | $ 4,610,000 | $ 768,000 | $ 496,000 |
| Orange County California | 5 | $ 7,135,000 | $ 1,427,000 | $ 466,000 |
| Boundary County Idaho | 5 | $ 1,035,000 | $ 207,000 | $ 76,000 |
| Adams County Washington | 5 | $ 615,000 | $ 123,000 | $ 136,000 |
| Pend Oreille County Washington | 5 | $ 1,735,000 | $ 347,000 | $ 172,000 |
| Elmore County Idaho | 4 | $ 400,000 | $ 100,000 | $ 44,000 |
| Payette County Idaho | 4 | $ 460,000 | $ 115,000 | $ 99,000 |
| Shoshone County Idaho | 4 | $ 540,000 | $ 135,000 | $ 51,000 |
| Flathead County Montana | 4 | $ 3,720,000 | $ 930,000 | $ 395,000 |
| Benton County Oregon | 4 | $ 2,090,000 | $ 522,000 | $ 359,000 |
| Blaine County Idaho | 3 | $ 14,315,000 | $ 4,771,000 | $ 905,000 |
| Owyhee County Idaho | 3 | $ 245,000 | $ 81,000 | $ 131,000 |
| Clatsop County Oregon | 3 | $ 2,435,000 | $ 811,000 | $ 290,000 |
| Jefferson County Oregon | 3 | $ 545,000 | $ 181,000 | $ 140,000 |
| Island County Washington | 3 | $ 1,705,000 | $ 568,000 | $ 538,000 |
| Kitsap County Washington | 3 | $ 1,655,000 | $ 551,000 | $ 153,000 |
| Lincoln County Washington | 3 | $ 125,000 | $ 41,000 | $ 78,000 |
| Thurston County Washington | 3 | $ 5,265,000 | $ 1,755,000 | $ 194,000 |
| Walla Walla County Washington | 3 | $ 2,445,000 | $ 815,000 | $ 564,000 |
| Yavapai County Arizona | 2 | $ 1,330,000 | $ 665,000 | $ 266,000 |
| Solano County California | 2 | $ 1,250,000 | $ 625,000 | $ 280,000 |
| Larimer County Colorado | 2 | $ 1,150,000 | $ 575,000 | $ 257,000 |
| Boise County Idaho | 2 | $ 190,000 | $ 95,000 | $ 173,000 |
| Minidoka County Idaho | 2 | $ 790,000 | $ 395,000 | $ 166,000 |
| Clark County Nevada | 2 | $ 1,440,000 | $ 720,000 | $ 1,756,000 |
| Hamilton County Ohio | 2 | $ 190,000 | $ 95,000 | $ 277,000 |
| Tillamook County Oregon | 2 | $ 1,830,000 | $ 915,000 | $ 464,000 |
| Washington County Rhode Island | 2 | $ 560,000 | $ 280,000 | $ 125,000 |
| Grays Harbor County Washington | 2 | $ 1,190,000 | $ 595,000 | $ 545,000 |
| Okanogan County Washington | 2 | $ 360,000 | $ 180,000 | $ 193,000 |
| Jefferson County Alabama | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Juneau County Alaska | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Mohave County Arizona | 1 | $ 555,000 | $ 555,000 | $ 157,000 |
| Pima County Arizona | 1 | $ 185,000 | $ 185,000 | $ 105,000 |
| Los Angeles County California | 1 | $ 3,225,000 | $ 3,225,000 | $ 1,496,000 |
| Napa County California | 1 | $ 755,000 | $ 755,000 | $ 0 |
| San Diego County California | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Santa Barbara County California | 1 | $ 805,000 | $ 805,000 | $ 309,000 |
| Santa Clara County California | 1 | $ 205,000 | $ 205,000 | $ 730,000 |
| Yolo County California | 1 | $ 605,000 | $ 605,000 | $ 311,000 |
| Denver County Colorado | 1 | $ 1,555,000 | $ 1,555,000 | $ 592,000 |
| New London County Connecticut | 1 | $ 55,000 | $ 55,000 | $ 125,000 |
| Charlotte County Florida | 1 | $ 235,000 | $ 235,000 | $ 141,000 |
| Sarasota County Florida | 1 | $ 315,000 | $ 315,000 | $ 368,000 |
| St. Johns County Florida | 1 | $ 285,000 | $ 285,000 | $ 78,000 |
| Kauai County Hawaii | 1 | $ 1,565,000 | $ 1,565,000 | $ 1,162,000 |
| Maui County Hawaii | 1 | $ 665,000 | $ 665,000 | $ 1,947,000 |
| Bonneville County Idaho | 1 | $ 755,000 | $ 755,000 | $ 1,163,000 |
| Clearwater County Idaho | 1 | $ 75,000 | $ 75,000 | $ 148,000 |
| Gem County Idaho | 1 | $ 205,000 | $ 205,000 | $ 137,000 |
| Lewis County Idaho | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Madison County Idaho | 1 | $ 35,000 | $ 35,000 | $ 93,000 |
| Twin Falls County Idaho | 1 | $ 245,000 | $ 245,000 | $ 113,000 |
| Prince George's County Maryland | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| Mecosta County Michigan | 1 | $ 275,000 | $ 275,000 | $ 120,000 |
| Cass County Minnesota | 1 | $ 615,000 | $ 615,000 | $ 308,000 |
| Freeborn County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 16,000 |
| Lake County Montana | 1 | $ 505,000 | $ 505,000 | $ 114,000 |
| Missoula County Montana | 1 | $ 375,000 | $ 375,000 | $ 350,000 |
| Ottawa County Ohio | 1 | $ 75,000 | $ 75,000 | $ 200,000 |
| Preble County Ohio | 1 | $ 95,000 | $ 95,000 | $ 448,000 |
| Grant County Oregon | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Jackson County Oregon | 1 | $ 275,000 | $ 275,000 | $ 2,333,000 |
| Lake County Oregon | 1 | $ 95,000 | $ 95,000 | $ 18,000 |
| Lincoln County Oregon | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Linn County Oregon | 1 | $ 405,000 | $ 405,000 | $ 196,000 |
| Malheur County Oregon | 1 | $ 325,000 | $ 325,000 | $ 115,000 |
| Marion County Oregon | 1 | $ 345,000 | $ 345,000 | $ 82,000 |
| Umatilla County Oregon | 1 | $ 145,000 | $ 145,000 | $ 85,000 |
| Yamhill County Oregon | 1 | $ 1,505,000 | $ 1,505,000 | $ 346,000 |
| Providence County Rhode Island | 1 | $ 305,000 | $ 305,000 | $ 165,000 |
| Brown County South Dakota | 1 | $ 135,000 | $ 135,000 | $ 58,000 |
| Union County South Dakota | 1 | $ 155,000 | $ 155,000 | $ 410,000 |
| Cameron County Texas | 1 | $ 425,000 | $ 425,000 | $ 201,000 |
| Williamson County Texas | 1 | $ 375,000 | $ 375,000 | $ 164,000 |
| Salt Lake County Utah | 1 | $ 455,000 | $ 455,000 | $ 112,000 |
| Summit County Utah | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Wasatch County Utah | 1 | $ 1,805,000 | $ 1,805,000 | $ 614,000 |
| Clallam County Washington | 1 | $ 315,000 | $ 315,000 | $ 713,000 |
| Ferry County Washington | 1 | $ 155,000 | $ 155,000 | $ 148,000 |
| Jefferson County Washington | 1 | $ 655,000 | $ 655,000 | $ 1,067,000 |
| San Juan County Washington | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Yakima County Washington | 1 | $ 295,000 | $ 295,000 | $ 43,000 |
| Kanawha County West Virginia | 1 | $ 145,000 | $ 145,000 | $ 56,000 |
| Kenosha County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 480,000 |
| Milwaukee County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 408,000 |
Mortgage Loan Application Detail Totals for Washington Trust Bank in 2023
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 | 618 | $399,180,000 | $645,000 | $12,725,000 | $277,000 | $3,154,000 |
| Other Purpose | 418 | $123,470,000 | $295,000 | $5,005,000 | $368,000 | $9,401,000 |
| Home Improvement | 387 | $58,745,000 | $151,000 | $3,005,000 | $177,000 | $4,949,000 |
| Cash-out Refinancing | 355 | $133,775,000 | $376,000 | $12,505,000 | $242,000 | $2,978,000 |
| Refinancing | 213 | $78,675,000 | $369,000 | $5,005,000 | $349,000 | $9,586,000 |
| 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 | 1,267 | $357,245,000 | $281,000 | $3,225,000 | $214,000 | $9,401,000 |
| Not Provided | 451 | $241,905,000 | $536,000 | $5,465,000 | $487,000 | $9,586,000 |
| Hispanic | 102 | $22,420,000 | $219,000 | $1,355,000 | $135,000 | $792,000 |
| Not applicable | 91 | $123,275,000 | $1,354,000 | $12,725,000 | $0 | $0 |
| Asian | 44 | $34,780,000 | $790,000 | $2,085,000 | $312,000 | $713,000 |
| Black or African American | 13 | $3,785,000 | $291,000 | $525,000 | $142,000 | $240,000 |
| American Indian or Alaskan Native | 7 | $1,895,000 | $270,000 | $895,000 | $132,000 | $302,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $34,000 | $34,000 |
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) | 1,940 | $778,090,000 | $401,000 | $12,725,000 | $283,000 | $9,586,000 |
| FHA-insured (Federal Housing Administration) | 41 | $11,275,000 | $275,000 | $625,000 | $89,000 | $403,000 |
| VA-guaranteed (Veterans Administration) | 10 | $4,480,000 | $448,000 | $915,000 | $144,000 | $482,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,270 | $552,330,000 | $434,000 | $12,505,000 | $328,000 | $9,586,000 |
| Application Denied By Financial Institution | 378 | $80,180,000 | $212,000 | $3,005,000 | $118,000 | $1,071,000 |
| Application Withdrawn By Applicant | 250 | $121,710,000 | $486,000 | $4,005,000 | $263,000 | $4,316,000 |
| File Closed For Incompleteness | 39 | $9,925,000 | $254,000 | $1,405,000 | $180,000 | $1,850,000 |
| Application Approved But Not Accepted | 36 | $24,960,000 | $693,000 | $12,725,000 | $569,000 | $9,401,000 |
| Loan Purchased By The Institution | 18 | $4,740,000 | $263,000 | $505,000 | $259,000 | $1,032,000 |
| 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 | 1,613 | $713,665,000 | $442,000 | $12,725,000 | $318,000 | $9,586,000 |
| Debt-To-Income Ratio | 156 | $35,190,000 | $225,000 | $1,365,000 | $84,000 | $492,000 |
| Credit History | 123 | $18,265,000 | $148,000 | $1,445,000 | $131,000 | $718,000 |
| Collateral | 58 | $13,430,000 | $231,000 | $3,005,000 | $150,000 | $1,071,000 |
| Other | 26 | $7,590,000 | $291,000 | $1,205,000 | $187,000 | $941,000 |
| Unverifiable Information | 5 | $2,005,000 | $401,000 | $1,425,000 | $141,000 | $456,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,795,000 | $359,000 | $835,000 | $116,000 | $265,000 |
| Credit Application Incomplete | 3 | $1,435,000 | $478,000 | $1,205,000 | $77,000 | $130,000 |
| Employment History | 2 | $470,000 | $235,000 | $275,000 | $50,000 | $61,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Trust Bank's 2023 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.