Bank Of Whittier Mortgage Rates, Fees & Info

Whittier, CA

LEI: 549300Q4JBLTKDC7J303

Tax ID: 95-3741119

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Bank Of Whittier is a smaller bank specializing in Refi and Home Purchase loans. Bank Of Whittier has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, New York, Los Angeles, Phoenix, and Albuquerque among others. We have data for 69 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bank Of Whittier has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bank Of Whittier 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.87% 12/16/24
    30 Year Conventional Refi 6.24% 12/16/24
    30 Year Cash-out Refi 6.71% 12/16/24
    15 Year Conventional Purchase 6.21% 12/16/24
    15 Year Conventional Refi 5.81% 12/16/24
    15 Year Cash-out Refi 5.81% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Bank Of Whittier Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Bank Of Whittier. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    393

    Origination Dollar Volume (All Markets)

    $115,585,000

    Employee count

    24 Show all (6) 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
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 161 $42,765,000 $265,621 $3,838 2.73%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 28 $13,350,000 $476,786 $8,539 2.86%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 22 $10,250,000 $465,909 $4,204 2.81%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 19 $4,665,000 $245,526 $2,487 2.74%
    ALBUQUERQUE, NM (FHA|USDA|VA) 11 $3,195,000 $290,455 $3,217 2.86%
    PITTSBURGH, PA (FHA|USDA|VA) 7 $2,405,000 $343,571 $3,582 2.64%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 11 $2,225,000 $202,273 $4,704 3.04%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 4 $1,930,000 $482,500 $4,911 3.06%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $1,835,000 $262,143 $1,372 2.73%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 7 $1,795,000 $256,429 $4,441 2.62%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 4 $1,760,000 $440,000 $5,983 3.05%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $1,745,000 $349,000 $2,152 2.61%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 5 $1,355,000 $271,000 $2,619 2.95%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $1,300,000 $325,000 $2,633 3.08%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 5 $1,285,000 $257,000 $2,348 2.73%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 7 $1,265,000 $180,714 $1,612 3.19%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 5 $1,205,000 $241,000 $4,386 2.99%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $935,000 $311,667 $3,481 2.98%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $860,000 $430,000 $2,973 3.34%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 4 $800,000 $200,000 $3,911 2.60%
    BATON ROUGE, LA (FHA|USDA|VA) 4 $770,000 $192,500 $4,255 2.62%
    Hilo, HI (FHA|USDA|VA) 1 $765,000 $765,000 $8,198 2.90%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $730,000 $182,500 $2,209 2.99%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $730,000 $365,000 $2,353 3.19%
    HATTIESBURG, MS (FHA|USDA|VA) 3 $725,000 $241,667 $2,539 2.83%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $660,000 $330,000 $5,639 3.05%
    SALT LAKE CITY, UT (FHA|USDA|VA) 2 $640,000 $320,000 $2,594 2.60%
    TOLEDO, OH (FHA|USDA|VA) 3 $615,000 $205,000 $4,143 2.81%
    Ruston, LA (FHA|USDA|VA) 2 $580,000 $290,000 $4,601 2.55%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 3 $555,000 $185,000 $2,129 2.70%
    LOUISVILLE, KY (FHA|USDA|VA) 2 $530,000 $265,000 $1,757 3.29%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $515,000 $515,000 $4,420 2.38%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $505,000 $505,000 $2,408 2.55%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $495,000 $495,000 $2,127 2.30%
    AKRON, OH (FHA|USDA|VA) 1 $465,000 $465,000 $2,691 2.40%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $460,000 $230,000 $4,277 2.69%
    ELMIRA, NY (FHA|USDA|VA) 2 $440,000 $220,000 $1,583 2.54%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $415,000 $415,000 $2,394 2.95%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $395,000 $395,000 $2,409 2.80%
    COLUMBUS, OH (FHA|USDA|VA) 2 $390,000 $195,000 $5,243 2.56%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $375,000 $375,000 $0 3.88%
    TUCSON, AZ (FHA|USDA|VA) 1 $365,000 $365,000 $1,662 2.35%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $335,000 $335,000 $9,312 2.40%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $335,000 $335,000 $1,624 2.60%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $325,000 $325,000 $2,438 2.60%
    WICHITA, KS (FHA|USDA|VA) 2 $300,000 $150,000 $1,158 2.61%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $295,000 $295,000 $1,853 2.50%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $295,000 $295,000 $3,738 3.75%
    CHEYENNE, WY (FHA|USDA|VA) 1 $295,000 $295,000 $2,284 2.63%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $285,000 $285,000 $3,051 2.50%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $285,000 $285,000 $2,053 2.78%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $285,000 $285,000 $2,590 2.75%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $280,000 $140,000 $2,581 2.75%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $275,000 $275,000 $8,485 3.05%
    MANHATTAN, KS (FHA|USDA|VA) 1 $255,000 $255,000 $1,471 2.50%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $255,000 $255,000 $1,310 2.35%
    LINCOLN, NE (FHA|USDA|VA) 1 $245,000 $245,000 $1,732 2.48%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $245,000 $245,000 $3,184 3.50%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $235,000 $235,000 $1,809 2.38%
    MONTGOMERY, AL (FHA|USDA|VA) 2 $230,000 $115,000 $1,844 2.73%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $215,000 $215,000 $1,627 3.98%
    London, KY (FHA|USDA|VA) 1 $205,000 $205,000 $3,699 2.50%
    SYRACUSE, NY (FHA|USDA|VA) 1 $205,000 $205,000 $2,430 2.95%
    PUEBLO, CO (FHA|USDA|VA) 1 $195,000 $195,000 $1,232 2.45%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $185,000 $185,000 $2,472 2.55%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $165,000 $165,000 $2,531 2.50%
    EL PASO, TX (FHA|USDA|VA) 1 $125,000 $125,000 $4,277 2.60%
    FARGO, ND-MN (FHA|USDA|VA) 1 $105,000 $105,000 $2,581 2.75%
    JACKSON, MS (FHA|USDA|VA) 1 $85,000 $85,000 $1,610 2.45%
    Bank Of Whittier's top markets include Dallas, New York, Los Angeles, Phoenix, and Albuquerque among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Bank of Whittier based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The First National Bank of Long Island
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    Similarity Rank: 538
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    TEG Federal Credit Union
    Similarity Rank: 715
    Christian Community Credit Union
    Similarity Rank: 716
    Hanover Community Bank
    Similarity Rank: 727
    Roselle Bank
    Similarity Rank: 796

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 393 $115,585,000 $294,109 $3,878 2.78%

    For 2020, Bank Of Whittier's most frequently originated type of loan was Conventional, with 393 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 227 $63,015,000 $277,599 $2,749 2.70%
    Home Purchase 101 $34,155,000 $338,168 $5,283 2.95%
    Cash Out Refi 65 $18,415,000 $283,308 $5,682 2.81%

    For 2020, Bank Of Whittier's most frequently cited loan purpose was Refi, with 227 originations. The 2nd most popular reason was Home Purchase, with 101 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 183 $60,315,000 $329,590 $4,812 2.88%
    15 Year 178 $46,800,000 $262,921 $3,021 2.64%
    20 Year 16 $4,410,000 $275,625 $3,170 2.83%
    10 Year 15 $4,025,000 $268,333 $3,494 3.18%
    Other 1 $35,000 $35,000 $981 3.88%

    For 2020, Bank Of Whittier's most frequently cited loan duration was 30 Year, with 183 originations. The 2nd most popular length was 15 Year, with 178 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 206 $54,780,000 $265,922
    $1k-2k 67 $20,335,000 $303,507
    $2k-3k 43 $12,845,000 $298,721
    $5k+ 34 $13,220,000 $388,824
    $3k-4k 26 $7,760,000 $298,462
    $4k-5k 15 $5,835,000 $389,000

    Bank Of Whittier's average total fees were $4,812, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 206 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 205 $63,905,000 $311,732
    <2.5% 114 $32,550,000 $285,526
    3-4% 69 $17,955,000 $260,217
    4-5% 5 $1,175,000 $235,000

    During 2020, Bank Of Whittier's average interest rate for loans was 2.88%, while their most frequently originated rate bucket for loans was 2.5-3%, with 205 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 180 $50,810,000 $282,278 $3,678 2.75%
    $100k-200k 106 $16,550,000 $156,132 $2,929 2.80%
    $400k-600k 79 $37,305,000 $472,215 $5,074 2.79%
    $100,000 or less 15 $1,125,000 $75,000 $2,213 3.10%
    $600k-1MM 13 $9,795,000 $753,462 $9,112 2.74%

    2020 saw Bank Of Whittier place emphasis on $200k-400k loans with 180 originations, totaling $50,810,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 137 $38,665,000 $282,226 $3,671 2.71%
    $150k-250k 94 $31,130,000 $331,170 $4,405 2.87%
    $250k+ 61 $23,285,000 $381,721 $4,482 2.76%
    $75k-100k 49 $12,205,000 $249,082 $3,553 2.81%
    $50k-75k 37 $7,975,000 $215,541 $3,551 2.77%
    $50k or less 15 $2,325,000 $155,000 $1,952 3.00%

    Bank Of Whittier lent most frequently to those with incomes in the $100k-150k range, with 137 originations. The second most popular income band? $150k-250k, with 94 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 115 $35,365,000 $307,522 $3,451 2.75%
    30-36% 92 $27,910,000 $303,370 $3,777 2.81%
    <20% 74 $18,080,000 $244,324 $3,705 2.75%
    39% 16 $5,380,000 $336,250 $4,265 2.81%
    38% 15 $3,935,000 $262,333 $3,589 2.79%
    41% 14 $4,320,000 $308,571 $3,323 2.95%
    37% 13 $4,395,000 $338,077 $5,602 2.84%
    40% 13 $4,375,000 $336,538 $5,350 3.00%
    36% 12 $3,300,000 $275,000 $6,108 2.54%
    42% 8 $2,350,000 $293,750 $2,797 2.61%
    43% 6 $2,040,000 $340,000 $4,032 2.59%
    45% 4 $1,070,000 $267,500 $2,762 2.66%
    46% 2 $280,000 $140,000 $2,406 3.63%
    47% 2 $800,000 $400,000 $4,611 2.81%
    >60% 2 $270,000 $135,000 $4,253 3.05%
    44% 2 $930,000 $465,000 $6,953 3.39%
    49% 1 $65,000 $65,000 $1,121 2.48%
    50-60% 1 $365,000 $365,000 $20,525 2.63%
    48% 1 $355,000 $355,000 $4,983 2.98%

    Bank Of Whittier lent most frequently to those with DTI ratios of 20-30%, with 115 originations. The next most common DTI ratio? 30-36%, with 92 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 237 $68,435,000 $288,755 $3,930 2.77%
    White 59 $17,145,000 $290,593 $3,808 2.84%
    Not provided 53 $16,695,000 $315,000 $3,749 2.84%
    Other Asian 21 $7,295,000 $347,381 $4,738 2.71%
    Asian Indian 16 $4,600,000 $287,500 $3,039 2.70%
    Black 7 $1,415,000 $202,143 $3,023 2.81%

    Approval Rates

    Total approvals of all applications
    86.01%

    Bank Of Whittier has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.93%

    Bank Of Whittier has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 393 $115,585,000 $294,109

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 393 $115,585,000 $294,109

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 29 $6,085,000 $209,828 $2,679 2.96%
    40-60% 89 $26,015,000 $292,303 $3,387 2.70%
    60-80% 191 $57,695,000 $302,068 $4,293 2.74%
    80-100% 73 $24,525,000 $335,959 $4,147 2.83%
    Under 20% 11 $1,265,000 $115,000 $2,101 3.39%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    BANK OF THE WEST Conventional home mortgage Incorrect information on your report 1 3.8%
    BANK OF THE WEST Conventional home mortgage Closing on a mortgage 2 7.7%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 4 15.4%
    BANK OF THE WEST Other type of mortgage Struggling to pay mortgage 2 7.7%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.8%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 6 23.1%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 3.8%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Closing on a mortgage 2 7.7%
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 4 15.4%
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 7.7%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 1 3.8%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bank of Whittier, National Association 1431 East Spring Valley Road Richardson, TX 75081 Full Service B&M $4,674
    Bank of Whittier, National Association 15141 East Whittier Boulevard Whittier, CA 90603 Full Service B&M $66,475

    For 2020, Bank Of Whittier had 2 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $1,473
    Net interest income $659
    Total noninterest income $4,074
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $8
    Trading account gains and fees $0
    Additional Noninterest Income $4,066
    Pre-tax net operating income $2,153
    Securities gains (or losses, -) $0
    Income before extraordinary items $1,539
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $1,539
    Minority interest net income $0
    Net income $1,539
    Sale, conversion, retirement of capital stock, net $2,112
    Net operating income $1,539

    Bank Of Whittier's gross interest income from loans was $1,473,000.
    Bank Of Whittier's net interest income from loans was $659,000.
    Bank Of Whittier's fee based income from loans was $8,000.
    Bank Of Whittier's net income from loans was $1,539,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $814
    Provision for credit losses $0
    Total noninterest expense $2,580
    Salaries and employee benefits $1,087
    Premises and equipment expense $302
    Additional noninterest expense $1,191
    Applicable income taxes $614
    Net charge-offs $-42
    Cash dividends $0

    Bank Of Whittier's interest expense for loans was $814,000.
    Bank Of Whittier's payroll and benefits expense were $1,087,000.
    Bank Of Whittier's property, plant and equipment expenses $302,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $99,940
    Deposits held in domestic offices $99,940
    Deposits by Individuals, partnerships, and corporations $89,169
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $10,524
    Deposits by Commercial banks and other depository institutions in U.S. $247
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $25,278
    Demand deposits $18,747
    Nontransaction accounts $74,662
    Money market deposit accounts (MMDAs) $2,257
    Other savings deposits (excluding MMDAs) $7,307
    Total time deposits $65,097
    Total time and savings deposits $81,193
    Noninterest-bearing deposits $18,747
    Interest-bearing deposits $81,192
    Retail deposits $69,501
    IRAs and Keogh plan accounts $5,424
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $117,420
    Cash & Balances due from depository institutions $77,195
    Interest-bearing balances $76,270
    Total securities $0
    Federal funds sold & reverse repurchase $0
    Net loans and leases $33,864
    Loan and leases loss allowance $1,211
    Trading account assets $0
    Bank premises and fixed assets $77
    Other real estate owned $0
    Goodwill and other intangibles $1,863
    All other assets $4,421

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $117,420
    Total Liabilities $100,930
    Total deposits $99,940
    Interest-bearing deposits $81,192
    Deposits held in domestic offices $99,940
    % insured (estimated) $73
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $990

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $33,864
    Loan and leases loss allowance $1,211
    Total loans and leases (domestic) $35,075
    All real estate loans $29,443
    Real estate loans in domestic offices $29,443
    Construction and development loans $0
    Residential 1-4 family construction $0
    Other construction, all land development and other land $0
    Loans secured by nonfarm nonresidential properties $17,091
    Nonfarm nonresidential secured by owner-occupied properties $13,091
    Commercial real estate & other non-farm, non-residential $4,000
    Multifamily residential real estate $1,122
    1-4 family residential loans $11,230
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $5,239
    To non-U.S. addressees $0
    Loans to individuals $393
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $393
    Other loans to individuals $0
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Bank of Whittier had $33,864,000 of loans outstanding in 2020. $29,443,000 of loans were in real estate loans. $0 of loans were in development loans. $1,122,000 of loans were in multifamily mortgage loans. $11,230,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $393,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 32 $7,128 $222,750
    Nonfarm, nonresidential loans - <$100k 3 $197 $65,667
    Nonfarm, nonresidential loans - $100-250k 5 $814 $162,800
    Nonfarm, nonresidential loans - $250k-1MM 24 $6,117 $254,875
    Commercial & Industrial, US addressed loans - <$1MM 124 $5,138 $41,435
    Commercial & Industrial, US addressed loans - <$100k 108 $1,844 $17,074
    Commercial & Industrial, US addressed loans - $100-250k 12 $1,651 $137,583
    Commercial & Industrial, US addressed loans - $250k-1MM 4 $1,643 $410,750