Applications / Mortgage Analytics / Lenders / New York / Industrial and Commercial Bank of China USA
New York, NY · National bank · OCC · $2.9 billion assets · 39 loans in 2025
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39
loans originated, 2025
65
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Industrial and Commercial Bank of China USA makes a few dozen large loans a year, mostly in majority-minority neighborhoods of big coastal cities, after cutting its home lending sharply in 2024.
It made 378 loans in 2023 and 47 in 2024. In 2025 the count fell 17% further, to 39, while similar lenders (national banks making between half and twice as many loans) held steady. The fall came with a retreat from jumbo loans (larger than the conforming limit), which were 25.6% of its loans in 2020 and 3.3% now. A change in what kind of lending the bank pursues could account for it; the data do not say.
Its typical loan was $605,000, against $175,000 at similar lenders, higher than at more than nine in ten of them. It lends in New York, Los Angeles, San Francisco and other large coastal metros. So 39 loans came to $56.8 million, against $14.3 million at a typical peer.
Loans in majority-minority neighborhoods made up 71.8% of its lending, against 8.6% at similar lenders. The markets it serves, the largest metros of California and New York, may explain much of this. The share has been high for years: 61.4% in 2020.
Refinancing took 59.0% of its loans and purchases 30.8%. Its share in each of its markets rounds to zero. The bank, formerly the Bank of East Asia (USA), has carried the Industrial and Commercial Bank of China name since 2012.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Industrial and Commercial Bank of China USA took 65 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 59.0% · Purchase 30.8% · Other 7.7% · Home improvement 2.6%
Conventional 100.0% · of 39 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 | 31 | 79.5% |
| New York | 5 | 12.8% |
| Washington | 2 | 5.1% |
| Massachusetts | 1 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 12 |
| Sacramento-Roseville-Folsom | 7 |
| New York-Jersey City-White Plains | 5 |
| Oakland-Fremont-Berkeley | 4 |
| San Francisco-San Mateo-Redwood City | 3 |
| San Jose-Sunnyvale-Santa Clara | 3 |
| Seattle-Bellevue-Kent | 2 |
| Anaheim-Santa Ana-Irvine | 1 |
| Boston | 1 |
| Riverside-San Bernardino-Ontario | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900YLQBQNWLGKOI74 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1015560 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124440 | 2004–2011 |
| Respondent ID (the HMDA filer code before 2018) | 91015560 | 2012–2017 |
Established 14 February 1983. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Industrial and Commercial Bank of China USA's data.
Industrial and Commercial Bank of China USA's data
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Industrial and Commercial Bank of China 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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