Ctbc Bank Corp. (usa) Mortgage Rates, Fees & Info

Los Angeles, CA

LEI: 5493005LWLLN6G3XQP35

Tax ID: 95-2368050

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Mortgage Data

Bank Data

Review & Overview

Ctbc Bank Corp. (usa) is a smaller bank specializing in Home Purchase and Refi loans. Ctbc Bank Corp. (usa) has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, New York, San Francisco, Riverside, and San Jose among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)

Ctbc Bank Corp. (usa) has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 5.99% 3/28/24
30 Year Conventional Refi 5.97% 3/28/24
30 Year Cash-out Refi 6.04% 3/28/24
15 Year Conventional Purchase 6.10% 3/28/24
15 Year Conventional Refi 6.32% 3/28/24
15 Year Cash-out Refi 6.32% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Ctbc Bank Corp. (usa) Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Ctbc Bank Corp. (usa). It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

380

Origination Dollar Volume (All Markets)

$306,950,000

Employee count

329

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 247 $224,645,000 $909,494 $0 0.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 59 $36,725,000 $622,458 $0 0.00%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 20 $14,930,000 $746,500 $0 0.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 39 $14,405,000 $369,359 $0 0.00%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 8 $10,750,000 $1,343,750 $0 0.00%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 3 $3,285,000 $1,095,000 $0 0.00%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $1,455,000 $1,455,000 $0 0.00%
STOCKTON, CA (FHA|USDA|VA) 2 $530,000 $265,000 $0 0.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
Ctbc Bank Corp. (usa)'s top markets include Los Angeles, New York, San Francisco, Riverside, and San Jose among others.

Their top states include:
  • California (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 380 $306,950,000 $807,763 $0 0.00%

    For 2019, Ctbc Bank Corp. (usa)'s most frequently originated type of loan was Conventional, with 380 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 278 $209,020,000 $751,871 $0 0.00%
    Refi 62 $61,880,000 $998,065 $0 0.00%
    Cash Out Refi 24 $20,650,000 $860,417 $0 0.00%
    Other 13 $13,725,000 $1,055,769 $0 0.00%
    Home Improvement 3 $1,675,000 $558,333 $0 0.00%

    For 2019, Ctbc Bank Corp. (usa)'s most frequently cited loan purpose was Home Purchase, with 278 originations. The 2nd most popular reason was Refi, with 62 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 380 $306,950,000 $807,763 $0 0.00%

    For 2019, Ctbc Bank Corp. (usa)'s most frequently cited loan duration was Other, with 380 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $400k-600k 101 $49,995,000 $495,000 $0 0.00%
    $1MM+ 97 $161,435,000 $1,664,278 $0 0.00%
    $200k-400k 93 $30,205,000 $324,785 $0 0.00%
    $600k-1MM 84 $64,600,000 $769,048 $0 0.00%
    $100k-200k 4 $680,000 $170,000 $0 0.00%
    $100,000 or less 1 $35,000 $35,000 $0 0.00%

    2019 saw Ctbc Bank Corp. (usa) place emphasis on $400k-600k loans with 101 originations, totaling $49,995,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 33 $35,585,000 $1,078,333 $0 0.00%
    $100k-150k 23 $10,835,000 $471,087 $0 0.00%
    $50k-75k 18 $7,210,000 $400,556 $0 0.00%
    $50k or less 16 $5,120,000 $320,000 $0 0.00%
    $150k-250k 12 $8,460,000 $705,000 $0 0.00%
    $75k-100k 11 $4,425,000 $402,273 $0 0.00%

    Ctbc Bank Corp. (usa) lent most frequently to those with incomes in the $250k+ range, with 33 originations. The second most popular income band? $100k-150k, with 23 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 380 $306,950,000 $807,763 $0 0.00%

    Ctbc Bank Corp. (usa) lent most frequently to those with DTI ratios of Exempt%, with 380 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 352 $275,520,000 $782,727 $0 0.00%
    Not applicable 11 $23,645,000 $2,149,545 $0 0.00%
    White 11 $5,285,000 $480,455 $0 0.00%
    Not provided 4 $2,030,000 $507,500 $0 0.00%
    Chinese 1 $435,000 $435,000 $0 0.00%
    American Indian 1 $35,000 $35,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    92.62%

    Ctbc Bank Corp. (usa) has an average approval rate.

    Pick Rate

    Approvals leading to origination
    68.95%

    Ctbc Bank Corp. (usa) has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 380 $306,950,000 $807,763

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 9 $22,715,000 $2,523,889
    Single Family (1-4 Units):Site-Built 371 $284,235,000 $766,132

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    CTBC Bank Corp. (USA) 1143 Grant Avenue San Francisco, CA 94133 Full Service B&M $24,961
    CTBC Bank Corp. (USA) 15343 Culver Drive Irvine, CA 92604 Full Service B&M $329,922
    CTBC Bank Corp. (USA) 1753 Route 27 Edison, NJ 8817 Full Service B&M $80,730
    CTBC Bank Corp. (USA) 17851 Colima Road, Suite A1 City Of Industry, CA 91748 Full Service B&M $239,849
    CTBC Bank Corp. (USA) 18645 Gale Avenue Suite 150 Industry, CA 91714 Full Service B&M $121,745
    CTBC Bank Corp. (USA) 19620 Stevens Creek Boulevard Suite 160 Cupertino, CA 95014 Full Service B&M $702,720
    CTBC Bank Corp. (USA) 250 West Valley Boulevard San Gabriel, CA 91776 Full Service B&M $208,395
    CTBC Bank Corp. (USA) 258 Barber Court Milpitas, CA 95035 Full Service B&M $98,897
    CTBC Bank Corp. (USA) 2956 Huntington Drive San Marino, CA 91108 Full Service B&M $226,813
    CTBC Bank Corp. (USA) 41-99 Main Street Flushing, NY 11355 Full Service B&M $324,185
    CTBC Bank Corp. (USA) 54-18 8th Avenue Brooklyn, NY 11220 Full Service B&M $65,229
    CTBC Bank Corp. (USA) 56 East Duarte Road Arcadia, CA 91006 Full Service B&M $15,935
    CTBC Bank Corp. (USA) 638 South Atlantic Boulevard Monterey Park, CA 91754 Full Service B&M $73,591
    CTBC Bank Corp. (USA) 801 South Figueroa Street, Suite 2300 Los Angeles, CA 90017 Full Service B&M $473,731

    For 2019, Ctbc Bank Corp. (usa) had 14 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $159,834
    Net interest income $115,255
    Total noninterest income $7,317
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $353
    Trading account gains and fees $0
    Additional Noninterest Income $6,964
    Pre-tax net operating income $50,082
    Securities gains (or losses, -) $0
    Income before extraordinary items $35,799
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $35,799
    Minority interest net income $0
    Net income $35,799
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $35,799

    Ctbc Bank Corp. (usa)'s gross interest income from loans was $159,834,000.
    Ctbc Bank Corp. (usa)'s net interest income from loans was $115,255,000.
    Ctbc Bank Corp. (usa)'s fee based income from loans was $353,000.
    Ctbc Bank Corp. (usa)'s net income from loans was $35,799,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $44,579
    Provision for credit losses $5,311
    Total noninterest expense $67,179
    Salaries and employee benefits $48,676
    Premises and equipment expense $9,577
    Additional noninterest expense $8,926
    Applicable income taxes $14,283
    Net charge-offs $-43
    Cash dividends $0

    Ctbc Bank Corp. (usa)'s interest expense for loans was $44,579,000.
    Ctbc Bank Corp. (usa)'s payroll and benefits expense were $48,676,000.
    Ctbc Bank Corp. (usa)'s property, plant and equipment expenses $9,577,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 4.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,109,782
    Deposits held in domestic offices $3,109,782
    Deposits by Individuals, partnerships, and corporations $2,959,782
    Deposits by U.S. Government $22,269
    Deposits by States and political subdivisions in the U.S. $0
    Deposits by Commercial banks and other depository institutions in U.S. $28,266
    Deposits by Banks in foreign countries $99,465
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $60,192
    Demand deposits $40,598
    Nontransaction accounts $3,049,590
    Money market deposit accounts (MMDAs) $1,566,055
    Other savings deposits (excluding MMDAs) $238,335
    Total time deposits $1,245,200
    Total time and savings deposits $3,069,184
    Noninterest-bearing deposits $629,061
    Interest-bearing deposits $2,480,721
    Retail deposits $2,328,147
    IRAs and Keogh plan accounts $5,404
    Brokered deposits $148,955
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,666,369
    Cash & Balances due from depository institutions $177,971
    Interest-bearing balances $172,430
    Total securities $358,801
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,971,453
    Loan and leases loss allowance $43,505
    Trading account assets $0
    Bank premises and fixed assets $22,894
    Other real estate owned $0
    Goodwill and other intangibles $319
    All other assets $134,931

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,666,369
    Total Liabilities $3,144,610
    Total deposits $3,109,782
    Interest-bearing deposits $2,480,721
    Deposits held in domestic offices $3,109,782
    % insured (estimated) $42
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $13,215
    Subordinated debt $0
    All other liabilities $21,613

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,971,453
    Loan and leases loss allowance $43,505
    Total loans and leases (domestic) $3,014,958
    All real estate loans $2,649,586
    Real estate loans in domestic offices $2,649,586
    Construction and development loans $36,120
    Residential 1-4 family construction $1,607
    Other construction, all land development and other land $34,513
    Loans secured by nonfarm nonresidential properties $1,138,273
    Nonfarm nonresidential secured by owner-occupied properties $244,314
    Commercial real estate & other non-farm, non-residential $893,959
    Multifamily residential real estate $155,023
    1-4 family residential loans $1,320,170
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $301,700
    To non-U.S. addressees $0
    Loans to individuals $19
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $0
    Other loans to individuals $19
    All other loans & leases $65,859
    Loans to foreign governments and official institutions $0
    Other loans $14
    Loans to depository institutions and acceptances of other banks $65,845
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    CTBC Bank Corp. (USA) had $2,971,453,000 of loans outstanding in 2019. $2,649,586,000 of loans were in real estate loans. $36,120,000 of loans were in development loans. $155,023,000 of loans were in multifamily mortgage loans. $1,320,170,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 73 $42,399 $580,808
    Nonfarm, nonresidential loans - $100-250k 10 $1,767 $176,700
    Nonfarm, nonresidential loans - $250k-1MM 63 $40,632 $644,952
    Commercial & Industrial, US addressed loans - <$1MM 75 $13,705 $182,733
    Commercial & Industrial, US addressed loans - <$100k 48 $849 $17,688
    Commercial & Industrial, US addressed loans - $100-250k 3 $391 $130,333
    Commercial & Industrial, US addressed loans - $250k-1MM 24 $12,465 $519,375