Purchase Originations
111
Median Total Costs
$7,198
+7.8% vs national ($6,680)
↓ $285 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$1,200
Median Lender Credits
$500
Denial Rate
4.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 111 | 6.375% | $7,198 | $1,200 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 51 | 6.375% | $6,989 | #256 |
| New York | 47 | 6.250% | $8,402 | — |
| Arizona | 11 | 6.000% | $4,688 | — |
| New Jersey | 2 | 6.562% | $4,417 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,001 | 6.250% | — | 1 | −$4,197 | |
| 2 | $3,849 | 6.000% | — | 1 | −$3,349 | |
| 3 | $3,972 | 6.750% | — | 1 | −$3,226 | |
| 4 | $4,593 | 6.250% | — | 1 | −$2,605 | |
| 5 | $4,688 | 6.000% | — | 11 | −$2,510 | |
| 6 | $4,861 | 6.375% | — | 1 | −$2,337 | |
| 7 | $7,035 | 6.375% | — | 34 | −$163 | |
| 8 | $7,096 | 6.375% | — | 1 | −$102 | |
| 9 | $7,186 | 6.312% | — | 2 | −$12 | |
| 10 | $7,291 | 6.375% | — | 9 | +$93 | |
| 11 | $7,536 | 6.375% | — | 10 | +$338 | |
| 12 | $7,981 | 6.250% | — | 14 | +$783 | |
| 13 | $8,588 | 6.500% | — | 1 | +$1,390 | |
| 14 | $8,602 | 6.250% | — | 15 | +$1,404 | |
| 15 | $10,013 | 6.125% | — | 8 | +$2,815 | |
| 16 | $10,851 | 6.750% | — | 1 | +$3,653 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | CTBC Bank Corp. (USA) | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $705,000 | $335,000 | +$370,000 (+110.4%) |
| Median total closing costs | $7,198 | $7,127 | +$71 (+1.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.