Bank of Whittier at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
6th33.3% deniedPricingmedian rate spread over APOR, weight 30%
63rd0.17 ptsProcesswithdrawn + incomplete share, weight 15%
2nd39.3%Closing coststotal loan costs ÷ loan amount, weight 10%
56th1.77% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 183 | 85 | 12.6% | 21.3% | 6.88% | $36M |
| 2024 | 211 | 97 | 21.3% | 31.7% | 6.63% | $37M |
| 2025 | 183 | 74 | 20.2% | 33.3% | 6.58% | $30M |
What Bank of Whittier lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 33 investment properties.
Why Bank of Whittier denies applications
Primary reason reported for each of the 37 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Bank of Whittier
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 23 | 7 | 36.4% |
| $100k – $150k | 33 | 12 | 40.0% |
| $150k – $250k | 67 | 28 | 33.3% |
| Over $250k | 56 | 27 | 20.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 30 | 11 | 26.7% |
| 35–44 | 55 | 21 | 22.2% |
| 45–54 | 64 | 29 | 31.0% |
| 55–64 | 25 | 8 | 57.9% |
Where Bank of Whittier lends
34 states and 79 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 66 | 27 | 27.3% | 6.38% | #647 |
| California | 16 | 7 | 12.5% | 6.50% | #668 |
| New Mexico | 11 | 7 | 18.2% | 6.63% | #247 |
| New York | 11 | 5 | 36.4% | 6.35% | #460 |
| Louisiana | 7 | 2 | 0.0% | 6.24% | #406 |
| Ohio | 7 | 3 | 28.6% | 6.88% | #657 |
| Pennsylvania | 6 | 3 | 16.7% | 6.88% | #761 |
| Arizona | 5 | 2 | 0.0% | 6.59% | #603 |
Frequently asked questions
Bank of Whittier denied 33.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 6th percentile of small mortgage lenders.
The most common reason Bank of Whittier gave in 2025 was "debt-to-income ratio", cited on 59.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Bank of Whittier originated in 2025 was 6.58%, and its median rate spread over the average prime offer rate was 0.17 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 66% of its applications were for home purchases, 34% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.