Applications / Mortgage Analytics / Lenders / Washington / Washington Trust Bank
Spokane, WA · State non-member bank · FDIC · $10.7 billion assets · 1,422 loans in 2025
Washington Trust Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,422
loans originated, 2025
2,193
applications, 2025
20
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Washington Trust Bank is a Spokane bank of larger loans, with jumbo loans a far bigger part of its lending than at similar banks, whose originations grew 15% in 2025.
Jumbo loans (larger than the conforming limit) were 15.0% of its lending, against 2.5% at similar lenders (state non-member banks making between half and twice as many loans), higher than at nearly all of them, and up from 10.8% five years before. Its typical loan was $255,000, against $185,000. Only 0.1% of its loans were higher-priced (a rate well above the average for similar loans), against 1.5%.
Originations rose 15% to 1,422, against 10% for similar lenders and the whole market. Home purchases were 32.8% of its loans, refinances 29.1%, other purposes 20.3% and home improvement 17.9%. Volume remains below the 2,976 loans of 2020.
It ranked 6 of 346 lenders in Spokane, its market since before 1990, with 3.3% of the market, 0.2 points lower than in 2024; United Wholesale Mortgage and Spokane Teachers Credit Union led. It is a small change, and competition from those lenders is one possible reason. In Boise it held 0.4% and ranked 45 of 409.
LMI (low- and moderate-income) borrowers took 23.2% of its loans, against 27.6% at peers; its larger loans are one possible reason. LMI areas took 15.3%, near the middle of peers' 14.7%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Washington Trust Bank took 2,193 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 32.8% · Refinance 29.1% · Other 20.3% · Home improvement 17.9%
Conventional 96.8% · FHA 2.3% · VA 0.9% · of 1,422 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Washington | 972 | 68.4% |
| Idaho | 289 | 20.3% |
| Oregon | 111 | 7.8% |
| Arizona | 15 | 1.1% |
| California | 9 | 0.6% |
| Michigan | 4 | 0.3% |
| Montana | 3 | 0.2% |
| Colorado | 2 | 0.1% |
| Florida | 2 | 0.1% |
| Missouri | 2 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Spokane-Spokane Valley | 498 |
| Seattle-Bellevue-Kent | 183 |
| Boise City | 104 |
| Portland-Vancouver-Hillsboro | 82 |
| Coeur d'Alene | 77 |
| Bend | 43 |
| Wenatchee-East Wenatchee | 41 |
| Kennewick-Richland | 32 |
| Tacoma-Lakewood | 32 |
| Phoenix-Mesa-Chandler | 13 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P2GEYNMH5OQA71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 58971 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31281 | 1990–2017 |
Established 3 November 1902. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Washington Trust Bank's data.
Washington Trust Bank's data
$215
Washington Trust Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Washington Trust Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]