Western Express Lending Mortgage Rates, Fees & Info

LAKE FOREST, CA

LEI: 549300LTT1PNSPD2JT50

Tax ID: 47-5403472

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Mortgage Data

Review & Overview

Western Express Lending is a small mortgage company specializing in Refi loans. Western Express Lending has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, Riverside, Las Vegas, Philadelphia, and San Diego among others. We have data for 120 markets. (Some data included below & more in-depth data is available with an active subscription.)

Western Express Lending has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Western Express Lending is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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Originations

2,962

Origination Dollar Volume (All Markets)

$1,077,920,000
Show all (19) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 959 $431,615,000 $450,068 $5,147 3.06%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 506 $172,590,000 $341,087 $5,233 3.02%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 291 $70,615,000 $242,663 $5,999 3.27%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 234 $61,200,000 $261,538 $4,501 3.20%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 132 $54,690,000 $414,318 $5,895 3.19%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 78 $30,720,000 $393,846 $5,495 2.83%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 64 $24,130,000 $377,031 $6,654 2.74%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 65 $23,985,000 $369,000 $5,206 3.04%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 46 $21,360,000 $464,348 $6,482 2.82%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 50 $13,660,000 $273,200 $5,140 2.90%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 25 $9,335,000 $373,400 $5,608 2.99%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 17 $7,735,000 $455,000 $6,315 2.95%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 19 $7,595,000 $399,737 $4,898 2.74%
VALLEJO, CA (FHA|USDA|VA) 18 $6,620,000 $367,778 $6,292 2.83%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 19 $6,505,000 $342,368 $4,754 3.10%
OCEAN CITY, NJ (FHA|USDA|VA) 20 $6,340,000 $317,000 $4,172 3.21%
RENO, NV (FHA|USDA|VA) 15 $5,385,000 $359,000 $5,605 3.28%
STOCKTON, CA (FHA|USDA|VA) 14 $5,110,000 $365,000 $6,521 2.69%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 13 $4,835,000 $371,923 $6,231 2.88%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 13 $4,685,000 $360,385 $8,133 3.04%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 13 $4,405,000 $338,846 $6,838 2.71%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 11 $4,375,000 $397,727 $4,501 2.99%
BAKERSFIELD, CA (FHA|USDA|VA) 16 $4,350,000 $271,875 $4,717 2.72%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 14 $4,020,000 $287,143 $5,727 3.12%
VISALIA, CA (FHA|USDA|VA) 15 $3,805,000 $253,667 $5,507 2.87%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 14 $3,780,000 $270,000 $4,276 2.83%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 14 $3,340,000 $238,571 $4,318 3.48%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 11 $3,325,000 $302,273 $5,856 2.69%
MODESTO, CA (FHA|USDA|VA) 11 $3,215,000 $292,273 $7,339 2.72%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 9 $2,725,000 $302,778 $5,790 3.13%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 7 $2,695,000 $385,000 $5,171 2.93%
Outside of Metro Areas 10 $2,680,000 $268,000 $5,744 2.94%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 6 $2,660,000 $443,333 $6,529 2.69%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 9 $2,585,000 $287,222 $5,817 2.92%
COLORADO SPRINGS, CO (FHA|USDA|VA) 8 $2,550,000 $318,750 $6,128 2.63%
NAPA, CA (FHA|USDA|VA) 4 $2,490,000 $622,500 $9,055 2.69%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $2,430,000 $405,000 $9,883 3.10%
FRESNO, CA (FHA|USDA|VA) 11 $2,335,000 $212,273 $5,175 3.27%
BOISE CITY, ID (FHA|USDA|VA) 6 $2,030,000 $338,333 $4,990 2.85%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $1,750,000 $291,667 $5,365 3.03%
SALEM, OR (FHA|USDA|VA) 7 $1,705,000 $243,571 $6,499 2.93%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 5 $1,695,000 $339,000 $5,502 3.25%
SALINAS, CA (FHA|USDA|VA) 4 $1,640,000 $410,000 $4,408 2.84%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 7 $1,505,000 $215,000 $4,335 3.34%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $1,490,000 $372,500 $5,318 3.25%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,430,000 $715,000 $15,724 2.69%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $1,415,000 $471,667 $9,875 3.33%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $1,260,000 $315,000 $5,127 3.31%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,125,000 $375,000 $5,555 2.75%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $1,055,000 $351,667 $3,915 3.00%
TUCSON, AZ (FHA|USDA|VA) 5 $1,055,000 $211,000 $6,558 2.88%
RALEIGH-CARY, NC (FHA|USDA|VA) 3 $1,035,000 $345,000 $5,927 2.54%
KNOXVILLE, TN (FHA|USDA|VA) 4 $970,000 $242,500 $5,149 2.91%
BEND, OR (FHA|USDA|VA) 4 $940,000 $235,000 $5,701 2.88%
GREELEY, CO (FHA|USDA|VA) 3 $935,000 $311,667 $4,671 2.92%
Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $935,000 $311,667 $4,418 2.67%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $885,000 $295,000 $6,260 3.21%
Outside of Metro Areas 2 $870,000 $435,000 $2,703 2.50%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $860,000 $430,000 $3,217 2.75%
MERCED, CA (FHA|USDA|VA) 4 $860,000 $215,000 $6,468 2.56%
COLUMBUS, OH (FHA|USDA|VA) 3 $855,000 $285,000 $5,421 2.88%
YUBA CITY, CA (FHA|USDA|VA) 3 $855,000 $285,000 $3,719 2.79%
REDDING, CA (FHA|USDA|VA) 3 $815,000 $271,667 $7,823 2.83%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $800,000 $400,000 $4,030 2.50%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $795,000 $265,000 $5,347 2.96%
Elko, NV (FHA|USDA|VA) 3 $795,000 $265,000 $6,790 3.00%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $725,000 $241,667 $4,861 3.04%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $720,000 $360,000 $6,214 3.38%
FORT COLLINS, CO (FHA|USDA|VA) 3 $685,000 $228,333 $6,402 2.75%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $670,000 $335,000 $6,434 2.44%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $660,000 $330,000 $6,221 2.75%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $590,000 $295,000 $4,578 2.38%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $550,000 $275,000 $8,273 2.88%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $545,000 $545,000 $4,431 2.63%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $485,000 $485,000 $5,751 2.88%
Brownwood, TX (FHA|USDA|VA) 1 $465,000 $465,000 $5,875 2.75%
BOULDER, CO (FHA|USDA|VA) 1 $465,000 $465,000 $4,685 2.25%
BELLINGHAM, WA (FHA|USDA|VA) 2 $460,000 $230,000 $3,723 2.88%
MADERA, CA (FHA|USDA|VA) 2 $460,000 $230,000 $5,254 2.56%
Clearlake, CA (FHA|USDA|VA) 2 $460,000 $230,000 $2,720 2.69%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $445,000 $445,000 $8,314 2.63%
MEDFORD, OR (FHA|USDA|VA) 2 $440,000 $220,000 $4,833 2.50%
TOLEDO, OH (FHA|USDA|VA) 2 $420,000 $210,000 $6,201 2.94%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $420,000 $210,000 $3,816 2.73%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $395,000 $395,000 $12,385 2.63%
Greeneville, TN (FHA|USDA|VA) 1 $375,000 $375,000 $2,922 2.75%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $365,000 $365,000 $2,530 2.38%
JACKSON, TN (FHA|USDA|VA) 1 $365,000 $365,000 $5,953 3.38%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $365,000 $365,000 $9,662 4.13%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $355,000 $355,000 $3,944 3.00%
FLINT, MI (FHA|USDA|VA) 1 $345,000 $345,000 $2,600 2.88%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $335,000 $335,000 $6,958 2.88%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $335,000 $335,000 $4,391 3.13%
Eureka-Arcata, CA (FHA|USDA|VA) 2 $330,000 $165,000 $3,218 3.37%
GRANTS PASS, OR (FHA|USDA|VA) 1 $315,000 $315,000 $10,615 2.63%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $315,000 $315,000 $4,680 3.13%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $315,000 $315,000 $3,776 2.88%
LANCASTER, PA (FHA|USDA|VA) 1 $295,000 $295,000 $4,482 2.75%
EL CENTRO, CA (FHA|USDA|VA) 1 $285,000 $285,000 $8,103 2.25%
SAVANNAH, GA (FHA|USDA|VA) 1 $285,000 $285,000 $4,062 3.50%
PUEBLO, CO (FHA|USDA|VA) 1 $285,000 $285,000 $8,418 2.75%
CHICO, CA (FHA|USDA|VA) 1 $275,000 $275,000 $7,955 2.25%
Steamboat Springs, CO (FHA|USDA|VA) 1 $275,000 $275,000 $4,812 2.63%
Fernley, NV (FHA|USDA|VA) 1 $265,000 $265,000 $7,977 3.25%
Granbury, TX (FHA|USDA|VA) 1 $265,000 $265,000 $4,380 4.00%
CARSON CITY, NV (FHA|USDA|VA) 1 $255,000 $255,000 $7,650 3.00%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $240,000 $120,000 $3,004 3.06%
TWIN FALLS, ID (FHA|USDA|VA) 1 $235,000 $235,000 $3,364 3.00%
KANKAKEE, IL (FHA|USDA|VA) 1 $235,000 $235,000 $7,390 3.13%
Pahrump, NV (FHA|USDA|VA) 1 $215,000 $215,000 $3,279 3.63%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $205,000 $205,000 $2,237 2.75%
Thomasville, GA (FHA|USDA|VA) 1 $205,000 $205,000 $6,170 2.50%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $195,000 $195,000 $4,592 2.63%
CaƱon City, CO (FHA|USDA|VA) 1 $195,000 $195,000 $7,770 3.63%
Dyersburg, TN (FHA|USDA|VA) 1 $165,000 $165,000 $2,927 2.95%
Moultrie, GA (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.25%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $115,000 $115,000 $3,099 3.00%
New Castle, IN (FHA|USDA|VA) 1 $105,000 $105,000 $2,596 2.63%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $85,000 $85,000 $3,681 3.25%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $75,000 $75,000 $3,664 3.15%
Western Express Lending's top markets include Los Angeles, Riverside, Las Vegas, Philadelphia, and San Diego among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,294 $837,300,000 $364,996 $4,177 3.11%
    FHA 550 $194,130,000 $352,964 $10,118 2.87%
    VA 115 $46,005,000 $400,043 $6,656 2.79%
    USDA 3 $485,000 $161,667 $5,880 2.79%

    For 2020, Western Express Lending's most frequently originated type of loan was Conventional, with 2,294 originations. Their 2nd most popular type was FHA, with 550 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 2,001 $729,155,000 $364,395 $4,832 2.94%
    Home Purchase 527 $198,935,000 $377,486 $7,862 3.26%
    Cash Out Refi 434 $149,830,000 $345,230 $4,933 3.30%

    For 2020, Western Express Lending's most frequently cited loan purpose was Refi, with 2,001 originations. The 2nd most popular reason was Home Purchase, with 527 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,621 $974,795,000 $371,917 $5,608 3.09%
    15 Year 193 $55,055,000 $285,259 $3,622 2.65%
    Other 72 $24,230,000 $336,528 $3,791 2.94%
    20 Year 67 $21,805,000 $325,448 $3,651 2.87%
    10 Year 9 $2,035,000 $226,111 $3,214 2.96%

    For 2020, Western Express Lending's most frequently cited loan duration was 30 Year, with 2,621 originations. The 2nd most popular length was 15 Year, with 193 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,124 $795,440,000 $374,501
    $<1k 308 $95,820,000 $311,104
    $2k-3k 183 $51,445,000 $281,120
    $5k+ 149 $67,735,000 $454,597
    $3k-4k 111 $37,345,000 $336,441
    $4k-5k 78 $26,880,000 $344,615

    Western Express Lending's average total fees were $5,608, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,124 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,302 $473,890,000 $363,971
    3-4% 1,058 $393,370,000 $371,805
    <2.5% 477 $165,935,000 $347,872
    4-5% 108 $39,650,000 $367,130
    5-6% 9 $3,015,000 $335,000
    7-8% 4 $680,000 $170,000
    6-7% 2 $320,000 $160,000
    Over 8% 2 $1,060,000 $530,000

    During 2020, Western Express Lending's average interest rate for loans was 3.09%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,302 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,557 $470,045,000 $301,891 $5,210 3.00%
    $400k-600k 862 $412,090,000 $478,063 $5,539 3.05%
    $100k-200k 318 $51,000,000 $160,377 $3,901 3.19%
    $600k-1MM 187 $130,285,000 $696,711 $8,462 3.14%
    $100,000 or less 29 $2,405,000 $82,931 $3,753 3.49%
    $1MM+ 9 $12,095,000 $1,343,889 $16,603 3.70%

    2020 saw Western Express Lending place emphasis on $200k-400k loans with 1,557 originations, totaling $470,045,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 755 $299,065,000 $396,113 $4,910 3.07%
    $150k-250k 532 $226,720,000 $426,165 $4,711 3.13%
    $75k-100k 480 $157,720,000 $328,583 $4,827 3.06%
    $50k-75k 407 $110,205,000 $270,774 $5,084 3.12%
    $50k or less 192 $39,510,000 $205,781 $5,426 3.14%
    $250k+ 189 $94,915,000 $502,196 $4,681 3.15%

    Western Express Lending lent most frequently to those with incomes in the $100k-150k range, with 755 originations. The second most popular income band? $150k-250k, with 532 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 490 $174,610,000 $356,347 $4,016 3.00%
    30-36% 418 $152,270,000 $364,282 $4,316 3.07%
    44% 156 $54,080,000 $346,667 $4,723 3.28%
    <20% 147 $47,335,000 $322,007 $3,961 2.98%
    49% 111 $42,125,000 $379,505 $5,226 3.17%
    37% 108 $40,310,000 $373,241 $4,404 3.10%
    47% 106 $38,960,000 $367,547 $4,708 3.18%
    40% 104 $38,040,000 $365,769 $4,698 3.13%
    41% 104 $39,340,000 $378,269 $4,901 3.16%
    45% 100 $39,950,000 $399,500 $5,556 3.22%
    42% 97 $38,325,000 $395,103 $5,085 3.15%
    43% 97 $33,935,000 $349,845 $4,550 3.08%
    39% 94 $34,670,000 $368,830 $4,856 3.16%
    50-60% 91 $36,535,000 $401,484 $12,023 3.00%
    38% 82 $29,290,000 $357,195 $5,303 3.12%
    36% 78 $27,260,000 $349,487 $4,535 3.10%
    46% 74 $25,180,000 $340,270 $4,952 3.25%
    48% 73 $27,005,000 $369,932 $5,798 3.20%
    >60% 3 $875,000 $291,667 $11,987 4.40%

    Western Express Lending lent most frequently to those with DTI ratios of 20-30%, with 490 originations. The next most common DTI ratio? 30-36%, with 418 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,017 $721,325,000 $357,623 $5,475 3.08%
    Not provided 682 $260,890,000 $382,537 $4,746 2.97%
    Asian 139 $54,685,000 $393,417 $5,837 2.91%
    Black 115 $38,295,000 $333,000 $6,791 3.15%
    Native Hawaiian or Islander 6 $2,040,000 $340,000 $9,549 3.08%
    American Indian 3 $685,000 $228,333 $4,907 3.01%

    Approval Rates

    Total approvals of all applications
    98.48%

    Western Express Lending has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    66.14%

    Western Express Lending has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,962 $1,077,920,000 $363,916

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 3 $605,000 $201,667
    Single Family (1-4 Units):Site-Built 2,959 $1,077,315,000 $364,081

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 171 $47,405,000 $277,222 $3,543 2.91%
    40-60% 578 $201,120,000 $347,958 $3,713 2.94%
    60-80% 1,182 $446,240,000 $377,530 $4,393 3.14%
    80-100% 1,003 $372,205,000 $371,092 $7,627 3.03%
    Over 100% 14 $7,800,000 $557,143 $21,296 2.95%
    Under 20% 14 $3,150,000 $225,000 $3,503 2.89%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    WESTERN UNION COMPANY, THE Conventional home mortgage Trouble during payment process 1 50.0%
    WESTERN UNION COMPANY, THE Other type of mortgage Trouble during payment process 1 50.0%