Washington County Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
29th15.9% deniedProcesswithdrawn + incomplete share, weight 15%
4th33.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 229 | 151 | 7.0% | 9.4% | — | $28M |
| 2024 | 225 | 119 | 12.0% | 17.8% | — | $20M |
| 2025 | 160 | 90 | 10.6% | 15.9% | — | $21M |
What Washington County Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 35 investment properties.
Who gets approved at Washington County Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 41 | 15 | 37.5% |
| $100k – $150k | 36 | 20 | 13.0% |
| $150k – $250k | 32 | 17 | 19.1% |
| Over $250k | 20 | 15 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 26 | 8 | 33.3% |
| 35–44 | 42 | 24 | 17.2% |
| 45–54 | 32 | 14 | 26.3% |
Where Washington County Bank lends
5 states and 31 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Washington County Bank denied 15.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 29th percentile of small mortgage lenders.
In 2025, 42% of its applications were for home purchases, 55% for refinancing (including cash-out), and 3% for home improvement or other purposes. By loan type: 99% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.