Applications / Mortgage Analytics / Lenders / Pennsylvania / Washington Financial Bank
Washington, PA · Savings institution · FDIC · $1.5 billion assets · 182 loans in 2025
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182
loans originated, 2025
221
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Washington Financial Bank, a Pennsylvania savings institution, now makes about a third as many mortgages as it did in 2022, and more than a third of what remains is home-improvement and other lending.
It made 538 loans in 2022, 352 in 2023, 189 in 2024 and 182 in 2025. The last step was a fall of 4%, while similar lenders, savings institutions making between half and twice as many loans, typically grew 7% and the market grew 10%. The filings do not say why its lending has contracted.
Home purchases were 51.1% of its lending. Home improvement made up 18.7%, other purposes 17.0% and refinances 13.2%. Every loan was conventional, and its typical loan, $200,000, is smaller than the peer figure of $232,500.
Despite that smaller typical loan, 14.8% of its loans were jumbo, larger than the conforming limit, against 2.5% at peers. That is a higher share than at nine in ten similar lenders, and it is not new: the share was 15.1% in 2024 and 19.5% in 2020.
It has lent in the Pittsburgh area since 1990 and ranks 44 of 571 lenders there. Its share fell to 0.5% from 0.6%, which may simply reflect its own smaller volume in a growing market. PNC Bank leads the area.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Financial Bank took 221 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.1% · Home improvement 18.7% · Other 17.0% · Refinance 13.2%
Conventional 100.0% · of 182 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 |
|---|---|---|
| Pennsylvania | 179 | 98.4% |
| Florida | 1 | 0.5% |
| North Carolina | 1 | 0.5% |
| Ohio | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 173 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Wilmington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000M096YV1VLKD70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 282075 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43586 | 1990–2008 |
| Respondent ID (the HMDA filer code before 2018) | 329520 | 2009–2017 |
Established 1 January 1899. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Washington Financial Bank's data.
Washington Financial Bank's data
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Washington Financial 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.
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