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Washington Trust Bank

Bank•Spokane, WAHQ•Direct•Reviews near you on Google

Washington Trust Bank has 376 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Refinance Superstar
Refinance
Superstar

Explore another lender or local market

Report Card

Washington Trust Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+18.7 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
289 loans · 0.15% above market
Sound
Top 60% of lenders
3/5
FHA
20 loans · 0.46% above market
Sound
Top 60% of lenders
3/5
VA
10 loans · 0.45% below market
Acceptable
Bottom 40% of lenders
2/5
Jumbo
57 loans · 0.47% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
301 loans · 0.21% above market
Sound
Top 60% of lenders
3/5
Refinance
75 loans · 0.09% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume289
Mix76.9%
Spread
+0.150%Above
Fees
$1,211Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume20
Mix5.3%
Spread
+0.461%Above
Fees
$1,514Fees
VA Loans
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through—
Volume10
Mix2.7%
Spread
-0.454%Below
Fees
$3,953Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume57
Mix15.2%
Spread
+0.466%Above
Fees
$1,197Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume301
Mix80.1%
Spread
+0.212%Above
Fees
$1,436Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume75
Mix19.9%
Spread
+0.090%Above
Fees
$772Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
376
Applications
610
Volume
$197 million
Pricing & Closing
Avg Rate Spread
+0.187%
vs. market APOR
Avg Net Fees
$1,301
Origination − Credits
Pullthrough Rate
61.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$526,410
Avg Borrower Income
$243,016
Avg Property Value
$765,824

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

14Full-year 2024 · HMDA
14 states with loan originations
Loans originated
< 5050+None
Midwest1
MI
South4
FLKYNCTX
West9
AKAZCACOIDNVORUTWA

Top Metro Areas by Place Specialization Score

1© Ethan from Scottsdale · CC BY 2.0
Spokane, WAMetro
Volume 133Mix 35.37% of portfolio
88/100
Exceptional
2© Ian Poellet · CC BY-SA 3.0
Bend, ORMetro
Volume 23Mix 6.12% of portfolio
62/100
Strong
3© Dietmar Rabich · CC BY-SA 4.0
Seattle, WAMetro
Volume 33Mix 8.78% of portfolio
58/100
Sound
4© pasa47 · CC BY 2.0
Coeur d'Alene, IDMetro
Volume 18Mix 4.79% of portfolio
54/100
Sound
5© Seasider53 · CC BY 4.0
Portland, OR-WAMetro
Volume 24Mix 6.38% of portfolio
52/100
Sound
6© Leonardo Pires · CC BY 2.0
Boise City, IDMetro
Volume 21Mix 5.59% of portfolio
51/100
Sound
7© Kirk Bagley · CC BY 3.0
Kennewick, WAMetro
Volume 11Mix 2.93% of portfolio
46/100
Sound

Top States by Place Specialization Score

Washington
Washington
1
WashingtonState
Volume 237Mix 63.03% of portfolio
78/100
Strong
Idaho
Idaho
2
IdahoState
Volume 62Mix 16.49% of portfolio
62/100
Strong
Oregon
Oregon
3
OregonState
Volume 47Mix 12.50% of portfolio
60/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.