What loan types does Bank of Whittier offer?

Bank of Whittier offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Bank of Whittier offer mortgages?

Bank of Whittier offers mortgages in 20 states: AL, AR, AZ, CA, DE, KS, KY, LA, MI, MO, NE, NM, NV, NY, OH, OK, PA, TX, WA, WV.

How competitive are Bank of Whittier's mortgage rates?

Bank of Whittier has an overall pricing score of 43.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Bank of Whittier?

Bank of Whittier is a Bank headquartered in Whittier, CA.

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Bank of Whittier

Bank•Whittier, CAHQ•Direct•Reviews near you on Google

Bank of Whittier has 94 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Multi-Region · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Bank of Whittier performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+21.7 bps above market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

90 loans · 0.22% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

79 loans · 0.27% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

15 loans · 0.03% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 1 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Sound	Mediocre	90	95.7%	+0.217%Above	$3,098Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Mediocre

Volume90

Mix95.7%

Spread

+0.217%Above

Fees

$3,098Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Mediocre	79	84.0%	+0.265%Above	$3,167Fees
Refinance	Acceptable	Acceptable	—	Mediocre	15	16.0%	-0.030%Below	$2,738Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Mediocre

Volume79

Mix84.0%

Spread

+0.265%Above

Fees

$3,167Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Mediocre

Volume15

Mix16.0%

Spread

-0.030%Below

Fees

$2,738Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

196

Volume

$36 million

Pricing & Closing

Avg Rate Spread

+0.217%

vs. market APOR

Avg Net Fees

$3,098

Origination − Credits

Pullthrough Rate

48.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$383,298

Avg Borrower Income

$224,117

Avg Property Value

$580,319

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

20Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast2

NYPA

Midwest5

KSMIMONEOH

South8

ALARDEKYLAOKTXWV

West5

AZCANMNVWA

Top Metro Areas by Place Specialization Score

Dallas, TXMetro

Volume 35Mix 37.23% of portfolio

59/100

Sound

Top States by Place Specialization Score

TexasState

Volume 42Mix 44.68% of portfolio

55/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.