Applications / Mortgage Analytics / Lenders / California / Bank of Whittier
Whittier, CA · National bank · OCC · $169 million assets · 74 loans in 2025
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74
loans originated, 2025
183
applications, 2025
23
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Whittier is a California bank that does most of its lending in Texas, with 74 loans in 2025 scattered across 23 states.
For a lender of its size, it travels. Its loans reached 23 states and 49 counties, and Texas was its main state. In 2025 it lent for the first time in Raleigh-Cary, non-metro Tennessee and Blacksburg-Christiansburg-Radford. In Los Angeles-Long Beach-Anaheim, its home market, it ranks 568 of 757.
Its typical loan was $350,000, against $185,000 at similar lenders (lenders of the same type making between half and twice as many loans). That is larger than at about five in six of them. Every loan was conventional, and about two-thirds were purchases.
Its loan count fell by 24% to 74, while similar lenders grew by 4%. It made 393 loans in 2020 and has made around 100 or fewer each year since 2022. The figures do not show what drove the earlier peak.
Borrowers with low and moderate incomes (LMI) took 5.4% of its loans, against 23.4% at similar lenders. Its larger loans may go to borrowers with higher incomes. Nearly half its loans, 47.3%, were in census tracts where most residents belong to minority groups. Its typical rate of 6.58% was close to the 6.75% at similar lenders, and none of its loans was higher-priced (carrying a rate well above the average for similar loans).
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Whittier took 183 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.6% · Refinance 32.4%
Conventional 100.0% · of 74 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 27 | 36.5% |
| California | 7 | 9.5% |
| New Mexico | 7 | 9.5% |
| New York | 5 | 6.8% |
| Ohio | 3 | 4.1% |
| Pennsylvania | 3 | 4.1% |
| Arizona | 2 | 2.7% |
| Louisiana | 2 | 2.7% |
| Missouri | 2 | 2.7% |
| Nevada | 2 | 2.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 16 |
| Albuquerque | 6 |
| Fort Worth-Arlington-Grapevine | 4 |
| Houston-Pasadena-The Woodlands | 4 |
| Los Angeles-Long Beach-Glendale | 3 |
| Allentown-Bethlehem-Easton | 2 |
| Cleveland | 2 |
| Las Vegas-Henderson-North Las Vegas | 2 |
| Nassau County-Suffolk County | 2 |
| Sherman-Denison | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Q4JBLTKDC7J303 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 209362 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 117548 | 1990–2017 |
Established 20 December 1982. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bank of Whittier's data.
Bank of Whittier's data
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