CTBC Bank Corp. (USA) mortgage approval rate & lending review
CTBC Bank Corp. (USA) decided 1,186 mortgage applications and funded 1,050 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions CTBC Bank Corp. (USA) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
CTBC Bank Corp. (USA) at a glance
Approval is 6.0 points above the 84.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 580 / 623 | 98% | $535K | 568 |
| Cash-out refinance | 79% | 52 / 66 | 100% | $1.19M | 52 |
| Refinance | 83% | 52 / 63 | 98% | $1.35M | 51 |
| Investment property purchase | 92% | 301 / 327 | 98% | $765K | 294 |
| Investment cash-out refinance | 81% | 38 / 47 | 95% | $1.05M | 36 |
| Investment refinance | 81% | 35 / 43 | 97% | $655K | 34 |
CTBC Bank Corp. (USA) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 89% | $1.05M | 691 | 602 |
| New York | 92% | $535K | 442 | 399 |
| New Jersey | 96% | $445K | 28 | 27 |
| Arizona | 88% | $375K | 25 | 22 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where CTBC Bank Corp. (USA) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Orange County, CA | Investment property purchase | 92% | 152 | 138 |
| Queens County, NY | Mortgage lenders | 91% | 145 | 129 |
| Kings County, NY | Mortgage lenders | 91% | 68 | 62 |
| Richmond County, NY | Mortgage lenders | 95% | 56 | 52 |
| Orange County, CA | Investment cash-out refinance | 82% | 28 | 21 |
| Kings County, NY | Investment property purchase | 91% | 22 | 20 |
| Queens County, NY | Investment property purchase | 96% | 23 | 20 |
| Orange County, CA | Investment refinance | 79% | 24 | 18 |
The county markets where CTBC Bank Corp. (USA) made the most loans. Each link opens that market with every lender ranked.
Questions about CTBC Bank Corp. (USA)
What is CTBC Bank Corp. (USA)'s mortgage approval rate?
CTBC Bank Corp. (USA) approved 90.5% of the 1,186 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.0 points above the 84.5% national rate for the same mix of loan types.
How often do borrowers take the loan CTBC Bank Corp. (USA) offers?
Borrowers accepted 98% of the loans CTBC Bank Corp. (USA) approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does CTBC Bank Corp. (USA) make?
The typical home purchase mortgage loan CTBC Bank Corp. (USA) made was $535K; across all loan types its typical loan ran from $535K to $1.35M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does CTBC Bank Corp. (USA) lend?
CTBC Bank Corp. (USA) decided applications in 4 of the states Fat Boy Data covers, most of them in California, New York and New Jersey.
Can I apply to CTBC Bank Corp. (USA) directly?
Yes. CTBC Bank Corp. (USA) is a bank or credit union with 20 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show CTBC Bank Corp. (USA)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how CTBC Bank Corp. (USA) treats applications, then get a rate quote from the lender.