CTBC Bank Corp. (USA) in California vs the state
9.9%Denial rate-7.53 pts vs state
12.5%Decision denial rate-9.94 pts vs state
68.4%Origination rate+12.16 pts vs state
6.50%Median rate-0.13 pts vs state
0.14Rate spread (pts)-0.13 pts vs state
$426kMedian applicant income
242Loans originated
35Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 467 | 317 | 4.7% | 6.63% | #234 |
| 2024 | 243 | 140 | 8.6% | 7.38% | #320 |
| 2025 | 354 | 242 | 9.9% | 6.50% | #302 |
What CTBC Bank Corp. (USA) lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most CTBC Bank Corp. (USA) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 215 | 155 | 19 | 8.8% |
| Los Angeles County | 75 | 46 | 8 | 10.7% |
| San Bernardino County | 18 | 12 | 2 | 11.1% |
| San Diego County | 13 | 7 | 1 | 7.7% |
| Riverside County | 8 | 4 | 2 | 25.0% |
| Santa Clara County | 7 | 7 | 0 | 0.0% |
| Alameda County | 6 | 4 | 1 | 16.7% |
| Ventura County | 3 | 3 | 0 | 0.0% |
| San Francisco County | 2 | 0 | 1 | 50.0% |
| San Mateo County | 2 | 1 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 354 applications in 2025, of which 242 were originated and 35 denied.
9.9% of all applications, or 12.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans CTBC Bank Corp. (USA) originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are CTBC Bank Corp. (USA)'s own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology