Cbi Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Cbi Bank & Trust of Muscatine, IA reported 527 mortgage applications totaling $66.8 million, up 18% from 2014. The average application was for $126,795, and applicants reported an average income of $88,085. 77% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Iowa City, IA (173), Davenport-Moline-Rock Island, IA-IL (36) and Cedar Rapids, IA (4) (applications in parentheses).
| Mortgage Company & Address | Cbi Bank & Trust 301 Iowa Ave Muscatine, IA 52761 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 527 |
| Total Mortgage Loan Application Amount | $66,821,000 |
| Average Mortgage Loan Application Amount | $126,795 |
| Highest Mortgage Loan Application Amount | $2,494,000 |
| Average Applicant Income | $88,085 |
| Highest Applicant Income | $896,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cbi Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Muscatine, Iowa | 263 | $ 29,538,000 | $ 112,311 | $ 79,000 |
| Johnson, Iowa | 100 | $ 16,651,000 | $ 166,510 | $ 128,000 |
| Washington, Iowa | 73 | $ 8,132,000 | $ 111,397 | $ 73,000 |
| Louisa, Iowa | 19 | $ 4,885,000 | $ 257,105 | $ 88,000 |
| Mercer, Illinois | 14 | $ 1,008,000 | $ 72,000 | $ 57,000 |
| Cedar, Iowa | 14 | $ 1,140,000 | $ 81,428 | $ 72,000 |
| Rock Island, Illinois | 11 | $ 1,537,000 | $ 139,727 | $ 53,000 |
| Scott, Iowa | 11 | $ 2,171,000 | $ 197,363 | $ 81,000 |
| Keokuk, Iowa | 7 | $ 351,000 | $ 50,142 | $ 94,000 |
| Iowa, Iowa | 3 | $ 202,000 | $ 67,333 | $ 61,000 |
| Linn, Iowa | 3 | $ 177,000 | $ 59,000 | $ 110,000 |
| Camden, Missouri | 2 | $ 366,000 | $ 183,000 | $ 273,000 |
| Des Moines, Iowa | 1 | $ 18,000 | $ 18,000 | $ 16,000 |
| Guthrie, Iowa | 1 | $ 165,000 | $ 165,000 | $ 106,000 |
| Henry, Iowa | 1 | $ 20,000 | $ 20,000 | $ 36,000 |
| Jones, Iowa | 1 | $ 145,000 | $ 145,000 | $ 160,000 |
| Mahaska, Iowa | 1 | $ 249,000 | $ 249,000 | $ 280,000 |
| Monroe, Iowa | 1 | $ 34,000 | $ 34,000 | $ 26,000 |
| Polk, Iowa | 1 | $ 32,000 | $ 32,000 | $ 226,000 |
Mortgage Loan Application Detail Totals for Cbi Bank & Trust in 2015
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 240 | $33,071,000 | $137,000 | $1,006,000 | $89,000 | $639,000 |
| Refinancing | 191 | $28,409,000 | $148,000 | $2,494,000 | $91,000 | $896,000 |
| Home Improvement | 96 | $5,341,000 | $55,000 | $400,000 | $80,000 | $258,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 433 | $52,356,000 | $120,000 | $1,300,000 | $95,000 | $896,000 |
| Not applicable | 34 | $7,691,000 | $226,000 | $2,494,000 | $0 | $0 |
| Hispanic | 24 | $1,744,000 | $72,000 | $301,000 | $51,000 | $172,000 |
| Not Provided | 21 | $2,855,000 | $135,000 | $296,000 | $86,000 | $240,000 |
| Asian | 8 | $1,001,000 | $125,000 | $266,000 | $172,000 | $336,000 |
| Black or African American | 5 | $918,000 | $183,000 | $417,000 | $123,000 | $230,000 |
| American Indian or Alaskan Native | 2 | $256,000 | $128,000 | $216,000 | $82,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 523 | $66,384,000 | $126,000 | $2,494,000 | $88,000 | $896,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $437,000 | $109,000 | $156,000 | $40,000 | $50,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 407 | $52,305,000 | $128,000 | $2,494,000 | $93,000 | $896,000 |
| Application Approved But Not Accepted | 64 | $8,487,000 | $132,000 | $417,000 | $80,000 | $230,000 |
| Application Denied By Financial Institution | 52 | $5,431,000 | $104,000 | $417,000 | $59,000 | $228,000 |
| Application Withdrawn By Applicant | 4 | $598,000 | $149,000 | $351,000 | $95,000 | $276,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cbi Bank & Trust's 2015 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Cbi Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Iowa, download the full spreadsheet
with aggregated HMDA statistics today.
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