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East West Bank
Bank|Pasadena, CA|Multi-Region
Loans Originated
602
Applications
898
Volume
$302 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.042%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,136
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
67.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Pricing may be below industry average
Report Card
East West Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 15 metro areas · 7 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$501,894
Average Borrower Income
$114,188
Average Property Value
$565,664
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Sound | 602 | 100.0% | +0.010% | $1,140 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Acceptable | Sound | 565 | 93.9% | +0.040% | $1,122 |
Refinance | Acceptable | Acceptable | Acceptable | Acceptable | 37 | 6.1% | +0.058% | $1,255 |
Geographic Coverage
Metro Areas
15
States Served
7
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
CAGAMANVNYTXWA
Top Metro Areas by Place Specialization Score
1
Oakland, CAMSA
Volume: 82Mix: 13.62%
Place Specialization
Strong
2
Los Angeles, CAMSA
Volume: 118Mix: 19.60%
Place Specialization
Strong
3
Houston, TXMSA
Volume: 76Mix: 12.62%
Place Specialization
Strong
4
Sacramento, CAMSA
Volume: 51Mix: 8.47%
Place Specialization
Strong
5
Riverside, CAMSA
Volume: 59Mix: 9.80%
Place Specialization
Strong
6
Las Vegas, NVMSA
Volume: 43Mix: 7.14%
Place Specialization
Sound
7
Anaheim, CAMSA
Volume: 31Mix: 5.15%
Place Specialization
Sound
8
Atlanta, GAMSA
Volume: 29Mix: 4.82%
Place Specialization
Sound
9
New York, NY-NJMSA
Volume: 21Mix: 3.49%
Place Specialization
Sound
10
San Diego, CAMSA
Volume: 19Mix: 3.16%
Place Specialization
Sound
Showing 10 of 15 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 381Mix: 63.29%
Place Specialization
Strong
2
NVState
Volume: 43Mix: 7.14%
Place Specialization
Sound
3
TXState
Volume: 82Mix: 13.62%
Place Specialization
Sound
4
GAState
Volume: 39Mix: 6.48%
Place Specialization
Sound
5
WAState
Volume: 31Mix: 5.15%
Place Specialization
Sound
6
NYState
Volume: 21Mix: 3.49%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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