# CTBC Bank Corp. (USA)

> **Canonical URL:** https://saferate.com/lenders/ctbc-bank-corp-usa


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CTBC Bank Corp. (USA) is a bank, headquartered in Los Angeles, CA, serving borrowers across 2 states, with 10 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 89% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 72% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493005LWLLN6G3XQP35
- **Headquarters:** Los Angeles, CA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** CA, NY
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 11/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.354%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,887
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 10
- **Dollar Volume:** $5 million
- **Applications Received:** 20
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $526,000
- **Average Borrower Income:** $165,700
- **Average Property Value:** $1,059,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 14/100 | 10 | +0.342% | $1,992 | Mediocre 😐 |

### Product Performance by Purpose

## Frequently Asked Questions

### What loan types does CTBC Bank Corp. (USA) offer?

CTBC Bank Corp. (USA) offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CTBC Bank Corp. (USA) offer mortgages?

CTBC Bank Corp. (USA) offers mortgages in 2 states: CA, NY.

### How competitive are CTBC Bank Corp. (USA)'s mortgage rates?

CTBC Bank Corp. (USA) has a pricing score of 11/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.354% above market average.

### What type of lender is CTBC Bank Corp. (USA)?

CTBC Bank Corp. (USA) is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Los Angeles, CA.

### What is CTBC Bank Corp. (USA)'s loan approval success rate?

CTBC Bank Corp. (USA) has a pull-through score of 28/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/ctbc-bank-corp-usa

### How to Cite

> "CTBC Bank Corp. (USA) Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ctbc-bank-corp-usa

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