The Washington Trust Company, of Westerly
1,290 mortgages originated in 2025 across 3 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,290
- Median rate
- 6.500%
- Median lender fees
- $4,280
- Median loan amount
- $245,000
- Median spread over APOR
- -0.141
- Paid discount points
- 9.3%
- Received lender credits
- 7.4%
- Purchases / refinances
- 47% / 21.1%
- Conventional / FHA / VA
- 92.1% / 6.4% / 1.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 53.8% of loans here — see methodology.
Where The Washington Trust Company, of Westerly lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Rhode Island | 1,040 | $4,278 | 6.375% |
| Massachusetts | 158 | $4,337 | 6.875% |
| Connecticut | 83 | — | 6.625% |