Washington State Bank: 2025 mortgage rates, costs & approvals
How Washington State Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Washington State Bank · LEI 549300L5PI87OOVHD857
In 2025, Washington State Bank originated 135 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 1 state — 1571st by volume among the 2,017 lenders profiled here.
It denied 2.9% of completed home-purchase applications (all lenders: 8.5%).
How Washington State Bank priced home-purchase loans
| Purchase loans, 2025 | Washington State Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Washington State Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Iowa | 135 | 145 | 2.9% | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Washington State Bank's page for that state.
Counties where Washington State Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jefferson County, IA | 1 | 41 | 24.0% |
| Washington County, IA | 4 | 31 | 9.0% |
| Van Buren County, IA | 5 | 2 | 6.9% |
| Louisa County, IA | 3 | 5 | 6.6% |
| Marion County, IA | 4 | 27 | 6.0% |
| Keokuk County, IA | 9 | 4 | 4.0% |
| Henry County, IA | 18 | 3 | 1.7% |
| Davis County, IA | 21 | 1 | 1.4% |
| Wapello County, IA | 18 | 3 | 0.8% |
| Mahaska County, IA | 25 | 2 | 0.7% |
Check Washington State Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300L5PI87OOVHD857.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Washington State Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology