Ctbc Bank USA Mortgage Lending & HMDA Data, 2025
In 2025, Ctbc Bank USA of Los Angeles, CA reported 649 mortgage applications totaling $561.4 million, up 41% from 2024. The average application was for $865,046, and applicants reported an average income of $301,209. 53% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Anaheim-Santa Ana-Irvine, CA (254), Los Angeles-Long Beach-Glendale, CA (126) and New York-Jersey City-White Plains, NY-NJ (126) (applications in parentheses).
| Mortgage Company & Address | Ctbc Bank USA 801 Figueroa Los Angeles, CA 90017 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2004 2003 |
| Total Number of Mortgage Applications | 649 |
| Total Mortgage Loan Application Amount | $561,415,000 |
| Average Mortgage Loan Application Amount | $865,046 |
| Highest Mortgage Loan Application Amount | $10,505,000 |
| Average Applicant Income | $301,209 |
| Highest Applicant Income | $1,646,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ctbc Bank USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Anaheim-Santa Ana-Irvine, CA | 254 | $ 277,860,000 | $ 1,093,937 | $ 731,000 |
| Los Angeles-Long Beach-Glendale, CA | 126 | $ 105,720,000 | $ 839,047 | $ 587,000 |
| New York-Jersey City-White Plains, NY-NJ | 126 | $ 90,640,000 | $ 719,365 | $ 151,000 |
| Phoenix-Mesa-Scottsdale, AZ | 28 | $ 11,430,000 | $ 408,214 | $ 175,000 |
| Riverside-San Bernardino-Ontario, CA | 26 | $ 14,900,000 | $ 573,076 | $ 335,000 |
| Lakewood-New Brunswick, NJ | 22 | $ 6,590,000 | $ 299,545 | $ 0 |
| Nassau County-Suffolk County, NY | 19 | $ 12,245,000 | $ 644,473 | $ 168,000 |
| San Diego-Carlsbad, CA | 13 | $ 14,805,000 | $ 1,138,846 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 9 | $ 4,355,000 | $ 483,888 | $ 140,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 9 | $ 6,855,000 | $ 761,666 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 6 | $ 5,470,000 | $ 911,666 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 4,485,000 | $ 1,495,000 | $ 348,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 1,190,000 | $ 595,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 2 | $ 3,310,000 | $ 1,655,000 | $ 0 |
| Trenton, NJ | 2 | $ 910,000 | $ 455,000 | $ 0 |
| Bakersfield, CA | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Camden, NJ | 1 | $ 215,000 | $ 215,000 | $ 0 |
Mortgage Loan Application Detail Totals for Ctbc Bank USA in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 323 | $243,305,000 | $753,000 | $4,255,000 | $403,000 | $1,646,000 |
| Refinancing | 119 | $119,345,000 | $1,002,000 | $4,715,000 | $203,000 | $591,000 |
| Cash-out Refinancing | 107 | $124,985,000 | $1,168,000 | $10,505,000 | $248,000 | $696,000 |
| Other Purpose | 86 | $61,030,000 | $709,000 | $1,995,000 | $121,000 | $140,000 |
| Home Improvement | 14 | $12,750,000 | $910,000 | $2,995,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Asian | 496 | $475,820,000 | $959,000 | $4,995,000 | $343,000 | $1,646,000 |
| Not applicable | 141 | $64,965,000 | $460,000 | $10,505,000 | $0 | $0 |
| White | 8 | $18,980,000 | $2,372,000 | $4,715,000 | $0 | $0 |
| Not Provided | 3 | $915,000 | $305,000 | $355,000 | $161,000 | $172,000 |
| Hispanic | 1 | $735,000 | $735,000 | $735,000 | $145,000 | $145,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 649 | $561,415,000 | $865,000 | $10,505,000 | $333,000 | $1,646,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 346 | $333,920,000 | $965,000 | $4,255,000 | $384,000 | $1,646,000 |
| Loan Purchased By The Institution | 128 | $31,440,000 | $245,000 | $545,000 | $0 | $0 |
| Application Withdrawn By Applicant | 69 | $59,985,000 | $869,000 | $4,005,000 | $183,000 | $432,000 |
| Application Denied By Financial Institution | 52 | $70,000,000 | $1,346,000 | $10,505,000 | $240,000 | $696,000 |
| File Closed For Incompleteness | 47 | $61,065,000 | $1,299,000 | $4,715,000 | $180,000 | $180,000 |
| Application Approved But Not Accepted | 7 | $5,005,000 | $715,000 | $1,275,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 597 | $491,415,000 | $823,000 | $4,715,000 | $347,000 | $1,646,000 |
| Other | 34 | $52,680,000 | $1,549,000 | $10,505,000 | $434,000 | $696,000 |
| Credit History | 10 | $10,790,000 | $1,079,000 | $3,605,000 | $134,000 | $176,000 |
| Debt-To-Income Ratio | 4 | $3,230,000 | $807,000 | $1,155,000 | $181,000 | $226,000 |
| Collateral | 4 | $3,300,000 | $825,000 | $1,255,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ctbc Bank USA's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Ctbc Bank USA's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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