Applications / Mortgage Analytics / Lenders / California / CTBC Bank Corp. (Usa)
Los Angeles, CA · State non-member bank · FDIC · $5.6 billion assets · 346 loans in 2025
CTBC Bank Corp. (Usa)'s data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
346
loans originated, 2025
521
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CTBC Bank Corp. (Usa), a Los Angeles bank, makes the biggest loans of any similar lender, and its lending rebounded by 57% in 2025.
Its typical loan, $835,000, was larger than at every similar lender (state non-member banks making between half and twice as many loans), where the typical loan was $185,000. Jumbo loans (larger than the conforming limit) made up 26.0% of its lending, against 1.4%. Its $333.9 million in loans was more than at nearly all of them.
It made 346 loans, up 57% from 221, a faster rise than at nearly all similar lenders, whose typical gain was 9%. That recovers only part of the fall from 608 in 2023. It also bought 128 loans from other lenders, while the typical similar lender bought none.
Majority-minority census tracts took 65.3% of its loans, against 6.7% at similar lenders, more than at nearly all of them. Borrowers with low and moderate incomes (LMI) took 2.5%, against 28.0%, among the lowest of its peers. With loans this large, its borrowers' incomes may often sit above LMI limits.
Its typical rate was 6.38%, against 6.75% at similar lenders, lower than at about nine in ten. Higher-priced loans (a rate well above the average for similar loans) were 0.3% of its lending, against 1.8%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CTBC Bank Corp. (Usa) took 521 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.3% · Refinance 32.4% · Other 14.5% · Home improvement 2.9%
Conventional 100.0% · of 346 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 242 | 69.9% |
| New York | 76 | 22.0% |
| Arizona | 22 | 6.4% |
| New Jersey | 6 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Anaheim-Santa Ana-Irvine | 155 |
| New York-Jersey City-White Plains | 61 |
| Los Angeles-Long Beach-Glendale | 46 |
| Phoenix-Mesa-Chandler | 22 |
| Riverside-San Bernardino-Ontario | 16 |
| Nassau County-Suffolk County | 15 |
| San Diego-Chula Vista-Carlsbad | 7 |
| San Jose-Sunnyvale-Santa Clara | 7 |
| Lakewood-New Brunswick | 4 |
| Oakland-Fremont-Berkeley | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005LWLLN6G3XQP35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 996260 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319416 | 1995–2017 |
Established 27 April 1965. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: CTBC Bank Corp. (Usa)'s data.
CTBC Bank Corp. (Usa)'s data
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CTBC Bank Corp. (Usa) and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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