CTBC Bank Corp. (USA) at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
38th12.8% deniedPricingmedian rate spread over APOR, weight 30%
66th0.15 ptsProcesswithdrawn + incomplete share, weight 15%
15th22.3%Closing coststotal loan costs ÷ loan amount, weight 10%
91st0.71% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 875 | 608 | 4.9% | 6.5% | 6.38% | $488M |
| 2024 | 382 | 221 | 7.6% | 11.4% | 7.25% | $195M |
| 2025 | 521 | 346 | 10.0% | 12.8% | 6.38% | $334M |
What CTBC Bank Corp. (USA) lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 172 investment properties.
Why CTBC Bank Corp. (USA) denies applications
Primary reason reported for each of the 52 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at CTBC Bank Corp. (USA)
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Over $250k | 22 | 20 | 4.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 64 | 41 | 14.3% |
| 35–44 | 122 | 90 | 10.0% |
| 45–54 | 191 | 131 | 7.5% |
| 55–64 | 92 | 54 | 23.6% |
| 65–74 | 24 | 14 | 6.3% |
Where CTBC Bank Corp. (USA) lends
4 states and 27 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 354 | 242 | 9.9% | 6.50% | #302 |
| New York | 128 | 76 | 10.2% | 6.38% | #246 |
| Arizona | 28 | 22 | 10.7% | 6.00% | #384 |
| New Jersey | 11 | 6 | 9.1% | 6.75% | #523 |
Frequently asked questions
CTBC Bank Corp. (USA) denied 12.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 38th percentile of small mortgage lenders.
The most common reason CTBC Bank Corp. (USA) gave in 2025 was "other", cited on 65.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans CTBC Bank Corp. (USA) originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was 0.15 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 49% of its applications were for home purchases, 36% for refinancing (including cash-out), and 16% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.