Current Loan Rates at Washington Trust

Fixed Rate Mortgages (up to $806,500)

Product Term Points Rate APR* Monthly Payment** Payment Calculator
30 Year 0 6.250 6.350 6.16 Your monthly cost
30 Year 1 6.000 6.193 6.00 Your monthly cost
20 Year 0 6.000 6.129 7.16 Your monthly cost
20 Year 1 5.625 5.876 6.95 Your monthly cost
15 Year 0 5.625 5.783 8.24 Your monthly cost
15 Year 1 5.125 5.434 7.97 Your monthly cost
10 Year 0 5.375 5.597 10.79 Your monthly cost
10 Year 1 5.125 5.566 10.67 Your monthly cost

Payments shown do not include taxes or insurance. Your payments may be greater.

All rates effective as of August 30, 2025

These rates are for Rhode Island, Connecticut and Massachusetts properties.
*Annual Percentage Rate (APR) subject to change without notice.
**Per $1,000 Borrowed.
Owner-occupied single family properties only. APR based on 40% downpayment and 0 points. Downpayment of less than 20% requires mortgage insurance. Property and flood insurance where required.

Jumbo Fixed Mortgage (over $806,500)

Product Term Points Rate APR* Monthly Payment** Payment Calculator
30 Year 0 6.250 6.312 6.16 Your monthly cost
30 Year 1 5.875 6.028 5.92 Your monthly cost
20 Year 0 6.250 6.332 7.31 Your monthly cost
20 Year 1 5.875 6.079 7.09 Your monthly cost
15 Year 0 6.000 6.100 8.44 Your monthly cost
15 Year 1 5.750 6.006 8.30 Your monthly cost

Payments shown do not include taxes or insurance. Your payments may be greater.

All rates effective as of August 30, 2025

These rates are for Rhode Island, Connecticut and Massachusetts properties.
*Annual Percentage Rate (APR) subject to change without notice.
**Per $1,000 Borrowed.
Owner-occupied single family properties only. APR based on 40% downpayment and 0 points. Downpayment of less than 20% requires mortgage insurance. Property and flood insurance where required.

Adjustable Rate Mortgage

Product TermTermRatePointsAPRMonthly Payment**
5/6 Jumbo ARM
Caps: 2% initial, 1% every six months, 5% lifetime
30 Years6.37507.034For months 1 to 60, the payment per $1000 is $6.24. Based on the current index and margin, for months 61 to 360, the rate would be 6.625% and the payment per $1000 is $6.83.
5/6 Jumbo ARM
Caps: 2% initial, 1% every six months, 5% lifetime
30 Years5.75016.880For months 1 to 60, the payment per $1000 is $5.84. Based on the current index and margin, for months 61 to 360, the rate would be 6.625% and the payment per $1000 is $6.89.
7/6 Jumbo ARM
Caps: 5% initial, 1% every six months, 5% lifetime
30 Years5.87506.659For months 1 to 84, the payment per $1000 is $5.92. Based on the current index and margin, for months 85 to 360, the rate would be 6.625% and the payment per $1000 is $7.07.
7/6 Jumbo ARM
Caps: 5% initial, 1% every six months, 5% lifetime
30 Years5.62516.626For months 1 to 84, the payment per $1000 is $5.76.  Based on the current index and margin, for months 85 to 360, the rate would be 6.625% and the payment per $1000 is $7.10.
10/6 Jumbo ARM
Caps: 5% initial, 1% every six months, 5% lifetime
30 Years6.25006.690For months 1-20, the payment per $1000 is $6.16.  Based on the current index and margin, for months 121 to 360, the rate would be 6.625% and the payment per $1000 is $7.53.
10/6 Jumbo ARM
Caps: 5% initial, 1% every six months, 5% lifetime
30 Years6.00016.621For months 1 to 120, the payment per $1000 is $6.00. Based on the current index and margin, for months 121 to 360, the rate would be 6.625% and the payment per $1000 is $7.58.
      

Payments shown do not include taxes or insurance. Your payments may be greater.

All rates effective as of August 30, 2025

These rates are for Rhode Island, Connecticut and Massachusetts properties.
*Annual Percentage Rate (APR) subject to change without notice.
**Per $1,000 Borrowed.
Index is the 30-day average SOFR. APR is variable and may increase after closing. Owner-occupied Rhode Island, Connecticut and Massachusetts single family properties only. APR based on 20% downpayment and 0 points. Downpayment of less than 20% requires mortgage insurance. Property and flood insurance where required. Subject to credit approval.

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