Washington Trust Mortgage . NMLS #901927
At a glance
- HeadquartersWesterly, RI
- Size678 home loans closed in 2025
- Loan typesConventional
- Licensed in2 states
- Formed in2012
2025 figures are for WASHINGTON TRUST MORTGAGE COMPANY LLC's filing.
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Who is Washington Trust Mortgage .?
Washington Trust Mortgage . (NMLS #901927) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is Washington Trust Mortgage . legit?
Here's what public licensing records show. Washington Trust Mortgage . holds mortgage licenses in Massachusetts, New Hampshire (NMLS ID #901927, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerWashington Trust Mortgage .
- NMLS #901927
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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About Washington Trust Mortgage .
Overview
Washington Trust Mortgage is a residential mortgage lender and is a wholly owned subsidiary of The Washington Trust Company. Its business is focused on residential real estate mortgage lending.
Mortgage options
Washington Trust Mortgage originates residential real estate mortgage loans for home purchases, construction and refinancing. In 2025 it made conventional loans. Its loans that year were for home purchases, refinances and cash-out refinances.
How it works
Borrowers can find a loan officer and start a mortgage application online. An application login is also available.
Locations
Washington Trust Mortgage has five branches in Connecticut and Massachusetts.
Company details and licensing
Washington Trust Mortgage Company LLC is a limited liability company formed in Rhode Island on March 28, 2012. It also uses the trade name Washington Trust Mortgage Company. Its headquarters are at 23 Broad Street in Westerly, Rhode Island.
The company’s NMLS ID is 901927. It is licensed in Massachusetts, New Hampshire and Rhode Island.
Verify NMLS #901927 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asWASHINGTON TRUST MORTGAGE COMPANY LLC
- 2025 home loan decisionsOf 749 applications decided by WASHINGTON TRUST MORTGAGE COMPANY LLC in 2025, 678 were originated, 15 were approved but not accepted by the borrower, and 56 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 92.5%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 241 applications were withdrawn by the borrower, 60 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.019 percentage points above the average prime offer rate (reported on 608 originations, 70 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$4,845.97 — originated closed-end household loans, 2025, 608 loans. FFIEC HMDA data browser.
- Median origination charges$1,519.00 — originated closed-end household loans, 2025, 608 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types678 Conventional — of 678 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for WASHINGTON TRUST MORTGAGE COMPANY LLC — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
Is Washington Trust Mortgage . legit?
Here's what public licensing records show. Washington Trust Mortgage . holds mortgage licenses in Massachusetts, New Hampshire (NMLS ID #901927, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is Washington Trust Mortgage .'s NMLS number?
Washington Trust Mortgage .'s NMLS number is 901927. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Washington Trust Mortgage .'s NMLS ID?
Yes. We checked Washington Trust Mortgage .'s company name and NMLS ID against the NMLS record on October 14, 2026. They've been in our lender network since April 2015. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Washington Trust Mortgage .?
This page has Washington Trust Mortgage .'s NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.