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Cathay Bank

Bank•Los Angeles, CAHQ•Direct•Reviews near you on Google

Cathay Bank has 199 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Sound
3/5
Multi-Region · 4 mkts

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Cathay Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Rates 19.2 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume199
Mix100.0%
Spread
-0.168%Below
Fees
$1,451Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume194
Mix97.5%
Spread
-0.197%Below
Fees
$1,433Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
199
Applications
284
Volume
$98 million
Pricing & Closing
Avg Rate Spread
-0.192%
vs. market APOR
Avg Net Fees
$1,438
Origination − Credits
Pullthrough Rate
70.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$493,342
Avg Borrower Income
$155,266
Avg Property Value
$830,327

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

7
7 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
NJNY
Midwest1
IL
South2
MDTX
West2
CANV

Top Metro Areas by Place Specialization Score

1© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 122Mix 61.31% of portfolio
73/100
Strong
2© Dicklyon · CC BY-SA 4.0
Nassau County, NYMetro
Volume 35Mix 17.59% of portfolio
59/100
Sound
3© Roman Eugeniusz · CC BY-SA 3.0
Las Vegas, NVMetro
Volume 13Mix 6.53% of portfolio
47/100
Sound
4© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 10Mix 5.03% of portfolio
42/100
Sound

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 156Mix 78.39% of portfolio
72/100
Strong
California
California
2
CaliforniaState
Volume 24Mix 12.06% of portfolio
47/100
Sound
Nevada
Nevada
3
NevadaState
Volume 13Mix 6.53% of portfolio
46/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.