Washington Trust Bank in Idaho vs the state
24.6%Denial rate+10.12 pts vs state
28.1%Decision denial rate+10.60 pts vs state
61.8%Origination rate-1.27 pts vs state
7.50%Median rate+0.88 pts vs state
0.54Rate spread (pts)+0.38 pts vs state
$132kMedian applicant income
289Loans originated
115Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 485 | 309 | 24.1% | 8.50% | #35 |
| 2024 | 448 | 286 | 23.4% | 8.50% | #41 |
| 2025 | 468 | 289 | 24.6% | 7.50% | #49 |
What Washington Trust Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Washington Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kootenai County | 130 | 77 | 29 | 22.3% |
| Ada County | 114 | 74 | 31 | 27.2% |
| Bonner County | 86 | 62 | 12 | 14.0% |
| Canyon County | 54 | 25 | 21 | 38.9% |
| Latah County | 28 | 23 | 3 | 10.7% |
| Valley County | 10 | 5 | 3 | 30.0% |
| Elmore County | 8 | 1 | 6 | 75.0% |
| Boise County | 7 | 2 | 4 | 57.1% |
| Nez Perce County | 7 | 5 | 1 | 14.3% |
| Payette County | 4 | 1 | 2 | 50.0% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Idaho Central Credit Union | A | 15,644 | 16.5% | 7.00% |
| Rocket Mortgage | C | 4,391 | 13.3% | 6.63% |
| United Shore Financial Services | B | 3,943 | 9.1% | 6.12% |
| Premier Mortgage Resources | B | 2,504 | 2.7% | 6.25% |
| Mountain America Federal Credit Union | D | 2,323 | 37.7% | 7.24% |
| Guild Mortgage | A | 2,320 | 3.4% | 6.50% |
| U.S. Bank | D | 2,161 | 28.6% | 7.35% |
| Loandepot.Com | D | 1,622 | 14.2% | 6.50% |
| Glacier Bank | D | 1,507 | 14.5% | 6.88% |
| Pennymac Loan Services | C | 1,297 | 10.8% | 6.50% |
Frequently asked questions
Idaho: 468 applications in 2025, of which 289 were originated and 115 denied.
24.6% of all applications, or 28.1% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Washington Trust Bank originated in Idaho in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Washington Trust Bank's own HMDA filing for properties located in Idaho, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology