Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$4,807
median across reports
vs. National Average
25%
below national avg
Avg Origination Charge
$2,972
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $3,863 | $3,585 | 🟡 Average |
| lender_credits | $3,013 | $1,150 | 🔺 High |
| Origination Fee | $2,972 | $3,743 | 🟢 Below Avg |
Got a Loan Estimate from Washington Trust Bank? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 654 homebuyer-submitted Closing Disclosures, Washington Trust Bank's median total closing costs are $4,807. This is about 25% below the $6,435 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
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Average Closing Costs by State
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Aggregates from Washington Trust Bank's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
353
Median Total Costs
$5,785
−13.4% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$995
Median Lender Credits
$1,080
Denial Rate
14.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 317 | 6.500% | $5,534 | $995 |
| fha | 25 | 6.250% | $13,651 | $2,137 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Washington | 244 | 6.500% | $5,496 | #53 |
| Oregon | 57 | 6.375% | $6,560 | #97 |
| Idaho | 33 | 6.625% | $7,819 | — |
| Arizona | 6 | 6.750% | $5,513 | — |
| Michigan | 2 | 6.750% | $3,496 | — |
| New Mexico | 2 | 6.500% | $4,217 | — |
| California | 1 |
| This lender | Washington median | National median | |
|---|---|---|---|
| Total Closing Costs | $5,496 | $7,733 | $6,680 |
| Interest Rate | 6.500% | 6.490% | 6.490% |
| Originations in state | 244 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Washington Trust Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $455,000 | $335,000 | +$120,000 (+35.8%) |
| Median total closing costs | $5,785 | $7,127 | −$1,342 (−18.8%) |
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 7.250% |
| $10,679 |
| — |
| Colorado | 1 | 6.500% | $5,501 | — |
| Florida | 1 | 6.500% | $2,518 | — |
| Louisiana | 1 | 6.500% | $6,302 | — |
| Missouri | 1 | 6.375% | $3,145 | — |
| North Carolina | 1 | 6.875% | $5,329 | — |
| Nevada | 1 | 6.625% | $6,487 | — |
| Texas | 1 | 6.000% | $7,310 | — |
| Wisconsin | 1 | 6.750% | $6,127 | — |