Lender in California · HMDA 2025
Cathay Bank mortgages in California
Cathay Bank's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Cathay Bank originated 359 owner-occupied single-family loans in California from 404 completed applications.
Its median conventional purchase loan costs were $6,420 versus $7,920 for all California lenders, at a median 30-year fixed rate of 5.75% (California: 6.625%).
Loans in CA
359
of 404 applications
Denial rate
7.3%
Purchase · CA 8.9%
Rate spread
−0.16 pts
Conv. · CA +0.09 pts
Loan amount
$635,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 260 | 233 | 7.3% | 5.750% | −0.16 pts | $6,420 | $635,000 |
| Refinance | 92 | 80 | 7.6% | — | −0.20 pts | $4,220 | $805,000 |
| Cash-out refinance | 52 | 46 | 5.8% | — | −0.20 pts | $4,000 | $705,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology