Cbi Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Cbi Bank & Trust of Muscatine, IA reported 395 mortgage applications totaling $55.5 million, down 7% from 2017. The average application was for $140,417, and applicants reported an average income of $91,410. 77% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Iowa City, IA (92), Davenport-Moline-Rock Island, IA-IL (29) and Cedar Rapids, IA (10) (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 | 395 |
| Total Mortgage Loan Application Amount | $55,465,000 |
| Average Mortgage Loan Application Amount | $140,417 |
| Highest Mortgage Loan Application Amount | $2,785,000 |
| Average Applicant Income | $91,410 |
| Highest Applicant Income | $771,000 |
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Act (HMDA) records Cbi Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 212 | $ 28,280,000 | $ 133,396 | $ 82,000 |
| Johnson, Iowa | 53 | $ 10,225,000 | $ 192,924 | $ 154,000 |
| Washington, Iowa | 39 | $ 3,465,000 | $ 88,846 | $ 72,000 |
| Scott, Iowa | 17 | $ 2,745,000 | $ 161,470 | $ 115,000 |
| Louisa, Iowa | 13 | $ 965,000 | $ 74,230 | $ 65,000 |
| Linn, Iowa | 10 | $ 1,880,000 | $ 188,000 | $ 88,000 |
| Cedar, Iowa | 9 | $ 1,385,000 | $ 153,888 | $ 103,000 |
| Mercer, Illinois | 8 | $ 650,000 | $ 81,250 | $ 66,000 |
| Keokuk, Iowa | 8 | $ 470,000 | $ 58,750 | $ 52,000 |
| Rock Island, Illinois | 3 | $ 385,000 | $ 128,333 | $ 101,000 |
| Clinton, Iowa | 2 | $ 30,000 | $ 15,000 | $ 55,000 |
| Iowa, Iowa | 2 | $ 300,000 | $ 150,000 | $ 70,000 |
| Jefferson, Iowa | 2 | $ 210,000 | $ 105,000 | $ 91,000 |
| Champaign, Illinois | 1 | $ 155,000 | $ 155,000 | $ 43,000 |
| Henry, Illinois | 1 | $ 185,000 | $ 185,000 | $ 53,000 |
| Knox, Illinois | 1 | $ 55,000 | $ 55,000 | $ 98,000 |
| Sangamon, Illinois | 1 | $ 195,000 | $ 195,000 | $ 105,000 |
| Vigo, Indiana | 1 | $ 1,685,000 | $ 1,685,000 | $ 0 |
| Cerro Gordo, Iowa | 1 | $ 135,000 | $ 135,000 | $ 277,000 |
| Des Moines, Iowa | 1 | $ 95,000 | $ 95,000 | $ 34,000 |
| Henry, Iowa | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Polk, Iowa | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Story, Iowa | 1 | $ 245,000 | $ 245,000 | $ 145,000 |
| Tama, Iowa | 1 | $ 75,000 | $ 75,000 | $ 145,000 |
| Van Buren, Iowa | 1 | $ 35,000 | $ 35,000 | $ 54,000 |
| Wapello, Iowa | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Grand Traverse, Michigan | 1 | $ 215,000 | $ 215,000 | $ 151,000 |
| Camden, Missouri | 1 | $ 185,000 | $ 185,000 | $ 283,000 |
| Marion, Oregon | 1 | $ 355,000 | $ 355,000 | $ 191,000 |
| Dane, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 89,000 |
Mortgage Loan Application Detail Totals for Cbi Bank & Trust in 2018
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 | 226 | $36,430,000 | $161,000 | $1,685,000 | $100,000 | $771,000 |
| Refinancing | 97 | $14,215,000 | $146,000 | $2,785,000 | $88,000 | $420,000 |
| Cash-out Refinancing | 27 | $3,375,000 | $125,000 | $265,000 | $70,000 | $144,000 |
| Home Improvement | 23 | $825,000 | $35,000 | $115,000 | $67,000 | $150,000 |
| Other Purpose | 22 | $620,000 | $28,000 | $135,000 | $70,000 | $277,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 330 | $39,990,000 | $121,000 | $455,000 | $92,000 | $771,000 |
| Not applicable | 26 | $9,490,000 | $365,000 | $2,785,000 | $0 | $0 |
| Not Provided | 18 | $3,750,000 | $208,000 | $625,000 | $113,000 | $281,000 |
| Hispanic | 12 | $980,000 | $81,000 | $235,000 | $52,000 | $150,000 |
| Asian | 5 | $875,000 | $175,000 | $285,000 | $82,000 | $160,000 |
| Black or African American | 3 | $345,000 | $115,000 | $175,000 | $55,000 | $73,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 391 | $55,035,000 | $140,000 | $2,785,000 | $92,000 | $771,000 |
| VA-guaranteed (Veterans Administration) | 4 | $430,000 | $107,000 | $155,000 | $41,000 | $58,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 304 | $45,010,000 | $148,000 | $2,785,000 | $95,000 | $771,000 |
| Application Withdrawn By Applicant | 48 | $7,180,000 | $149,000 | $625,000 | $96,000 | $283,000 |
| Application Denied By Financial Institution | 37 | $2,865,000 | $77,000 | $345,000 | $58,000 | $214,000 |
| Application Approved But Not Accepted | 5 | $275,000 | $55,000 | $95,000 | $66,000 | $123,000 |
| File Closed For Incompleteness | 1 | $135,000 | $135,000 | $135,000 | $85,000 | $85,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 358 | $52,600,000 | $146,000 | $2,785,000 | $95,000 | $771,000 |
| Credit History | 17 | $1,575,000 | $92,000 | $345,000 | $77,000 | $214,000 |
| Debt-To-Income Ratio | 13 | $885,000 | $68,000 | $175,000 | $42,000 | $97,000 |
| Collateral | 4 | $200,000 | $50,000 | $85,000 | $37,000 | $66,000 |
| Unverifiable Information | 2 | $200,000 | $100,000 | $125,000 | $64,000 | $76,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $5,000 | $5,000 | $5,000 | $16,000 | $16,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cbi Bank & Trust's 2018 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.
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with aggregated HMDA statistics today.
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