Purchase Originations
430
Median Total Costs
$5,074
−24.0% vs national ($6,680)
↑ $250 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,509
Median Lender Credits
$162
Denial Rate
3.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 430 | 6.500% | $5,074 | $1,509 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 293 | 6.490% | $5,187 | #38 |
| Connecticut | 70 | 6.500% | $5,152 | #63 |
| Rhode Island | 55 | 6.624% | $4,500 | #39 |
| New Hampshire | 12 | 6.438% | $4,238 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,880 | 6.490% | — | 7 | −$1,194 | |
| 2 | $4,238 | 6.750% | — | 6 | −$836 | |
| 3 | $4,406 | 6.625% | — | 5 | −$668 | |
| 4 | $4,410 | 6.624% | — | 24 | −$664 | |
| 5 | $4,617 | 6.500% | — | 51 | −$457 | |
| 6 | $4,632 | 6.625% | — | 3 | −$442 | |
| 7 | $4,875 | 6.375% | — | 15 | −$199 | |
| 8 | $4,925 | 6.500% | — | 9 | −$149 | |
| 9 | $4,969 | 6.750% | — | 12 | −$105 | |
| 10 | $4,994 | 6.438% | — | 6 | −$80 | |
| 11 | $5,072 | 6.562% | — | 16 | −$2 | |
| 12 | $5,118 | 6.250% | — | 3 | +$44 | |
| 13 | $5,128 | 6.490% | — | 23 | +$54 | |
| 14 | $5,235 | 6.375% | — | 14 | +$161 | |
| 15 | $5,308 | 6.500% | — | 43 | +$234 | |
| 16 | $5,358 | 6.500% | — | 35 | +$284 | |
| 17 | $5,459 | 6.490% | — | 103 | +$385 | |
| 18 | $5,502 | 6.625% | — | 17 | +$428 | |
| 19 | $5,506 | 6.750% | — | 4 | +$432 | |
| 20 | $5,673 | 6.375% | — | 22 | +$599 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Washington Trust Mortgage Company LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $505,000 | $335,000 | +$170,000 (+50.7%) |
| Median total closing costs | $5,074 | $7,127 | −$2,053 (−28.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.