Cbi Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Cbi Bank & Trust of Muscatine, IA reported 519 mortgage applications totaling $76.3 million, down 2% from 2015. The average application was for $146,922, and applicants reported an average income of $89,897. 76% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Iowa City, IA (126), Davenport-Moline-Rock Island, IA-IL (59) and Cedar Rapids, IA (7) (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 | 519 |
| Total Mortgage Loan Application Amount | $76,253,000 |
| Average Mortgage Loan Application Amount | $146,922 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $89,897 |
| Highest Applicant Income | $1,000,000 |
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Act (HMDA) records Cbi Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 269 | $ 36,299,000 | $ 134,940 | $ 83,000 |
| Johnson, Iowa | 81 | $ 17,769,000 | $ 219,370 | $ 122,000 |
| Washington, Iowa | 45 | $ 4,382,000 | $ 97,377 | $ 80,000 |
| Rock Island, Illinois | 24 | $ 3,092,000 | $ 128,833 | $ 55,000 |
| Scott, Iowa | 23 | $ 2,888,000 | $ 125,565 | $ 84,000 |
| Louisa, Iowa | 13 | $ 1,148,000 | $ 88,307 | $ 54,000 |
| Cedar, Iowa | 12 | $ 1,936,000 | $ 161,333 | $ 82,000 |
| Mercer, Illinois | 10 | $ 873,000 | $ 87,300 | $ 66,000 |
| Linn, Iowa | 6 | $ 774,000 | $ 129,000 | $ 60,000 |
| Henry, Iowa | 5 | $ 1,333,000 | $ 266,600 | $ 304,000 |
| Keokuk, Iowa | 5 | $ 583,000 | $ 116,600 | $ 65,000 |
| Jefferson, Iowa | 4 | $ 556,000 | $ 139,000 | $ 157,000 |
| Polk, Iowa | 3 | $ 292,000 | $ 97,333 | $ 228,000 |
| Henry, Illinois | 2 | $ 246,000 | $ 123,000 | $ 16,000 |
| Grand Traverse, Michigan | 2 | $ 434,000 | $ 217,000 | $ 340,000 |
| Hennepin, Minnesota | 2 | $ 325,000 | $ 162,500 | $ 80,000 |
| Collier, Florida | 1 | $ 307,000 | $ 307,000 | $ 140,000 |
| Lee, Florida | 1 | $ 124,000 | $ 124,000 | $ 53,000 |
| Monroe, Florida | 1 | $ 262,000 | $ 262,000 | $ 135,000 |
| Henderson, Illinois | 1 | $ 960,000 | $ 960,000 | $ 0 |
| Will, Illinois | 1 | $ 296,000 | $ 296,000 | $ 88,000 |
| Benton, Iowa | 1 | $ 350,000 | $ 350,000 | $ 81,000 |
| Clinton, Iowa | 1 | $ 46,000 | $ 46,000 | $ 68,000 |
| Mahaska, Iowa | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Palo Alto, Iowa | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Poweshiek, Iowa | 1 | $ 110,000 | $ 110,000 | $ 290,000 |
| Johnson, Kansas | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
| Boone, Missouri | 1 | $ 176,000 | $ 176,000 | $ 68,000 |
| Camden, Missouri | 1 | $ 272,000 | $ 272,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for Cbi Bank & Trust in 2016
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 | 265 | $38,991,000 | $147,000 | $800,000 | $85,000 | $1,000,000 |
| Refinancing | 178 | $31,399,000 | $176,000 | $1,300,000 | $98,000 | $607,000 |
| Home Improvement | 76 | $5,863,000 | $77,000 | $595,000 | $88,000 | $518,000 |
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 | 420 | $59,183,000 | $140,000 | $1,300,000 | $99,000 | $639,000 |
| Not applicable | 47 | $9,760,000 | $207,000 | $960,000 | $0 | $0 |
| Hispanic | 27 | $2,716,000 | $100,000 | $366,000 | $55,000 | $171,000 |
| Not Provided | 13 | $2,416,000 | $185,000 | $296,000 | $119,000 | $487,000 |
| Black or African American | 4 | $727,000 | $181,000 | $417,000 | $117,000 | $289,000 |
| American Indian or Alaskan Native | 3 | $182,000 | $60,000 | $90,000 | $149,000 | $354,000 |
| Asian | 3 | $1,050,000 | $350,000 | $680,000 | $408,000 | $1,000,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $219,000 | $109,000 | $140,000 | $49,000 | $67,000 |
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) | 517 | $75,947,000 | $146,000 | $1,300,000 | $90,000 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 1 | $121,000 | $121,000 | $121,000 | $54,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 1 | $185,000 | $185,000 | $185,000 | $55,000 | $55,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 394 | $60,756,000 | $154,000 | $1,300,000 | $94,000 | $1,000,000 |
| Application Approved But Not Accepted | 62 | $9,520,000 | $153,000 | $590,000 | $89,000 | $591,000 |
| Application Denied By Financial Institution | 56 | $5,156,000 | $92,000 | $531,000 | $60,000 | $487,000 |
| Application Withdrawn By Applicant | 7 | $821,000 | $117,000 | $272,000 | $112,000 | $231,000 |
| 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 2016 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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