Washington Trust Bank in Oregon vs the state
18.0%Denial rate+2.65 pts vs state
21.0%Decision denial rate+1.82 pts vs state
66.5%Origination rate+5.85 pts vs state
6.88%Median rate+0.13 pts vs state
0.24Rate spread (pts)-0.04 pts vs state
$182kMedian applicant income
111Loans originated
30Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 112 | 73 | 16.1% | 6.88% | #142 |
| 2024 | 143 | 86 | 22.4% | 7.25% | #133 |
| 2025 | 167 | 111 | 18.0% | 6.88% | #135 |
What Washington Trust Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Washington Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Deschutes County | 58 | 40 | 9 | 15.5% |
| Multnomah County | 49 | 31 | 10 | 20.4% |
| Washington County | 17 | 14 | 2 | 11.8% |
| Clackamas County | 13 | 12 | 1 | 7.7% |
| Crook County | 6 | 3 | 2 | 33.3% |
| Lane County | 5 | 2 | 1 | 20.0% |
| Yamhill County | 4 | 2 | 1 | 25.0% |
| Marion County | 4 | 3 | 1 | 25.0% |
| Wasco County | 2 | 1 | 0 | 0.0% |
| Union County | 2 | 1 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 167 applications in 2025, of which 111 were originated and 30 denied.
18.0% of all applications, or 21.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Washington Trust Bank originated in Oregon in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Washington Trust Bank's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology