Cbi Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Cbi Bank & Trust of Muscatine, IA reported 442 mortgage applications totaling $70.9 million, up 12% from 2018. The average application was for $160,452, and applicants reported an average income of $114,975. 74% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Iowa City, IA (118), Davenport-Moline-Rock Island, IA-IL (43) and Cedar Rapids, IA (11) (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 | 442 |
| Total Mortgage Loan Application Amount | $70,920,000 |
| Average Mortgage Loan Application Amount | $160,452 |
| Highest Mortgage Loan Application Amount | $1,915,000 |
| Average Applicant Income | $114,975 |
| Highest Applicant Income | $899,000 |
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Act (HMDA) records Cbi Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 215 | $ 24,925,000 | $ 115,930 | $ 89,000 |
| Johnson, Iowa | 79 | $ 23,875,000 | $ 302,215 | $ 178,000 |
| Washington, Iowa | 39 | $ 5,535,000 | $ 141,923 | $ 85,000 |
| Scott, Iowa | 26 | $ 5,470,000 | $ 210,384 | $ 252,000 |
| Louisa, Iowa | 16 | $ 2,090,000 | $ 130,625 | $ 78,000 |
| Cedar, Iowa | 13 | $ 1,525,000 | $ 117,307 | $ 78,000 |
| Rock Island, Illinois | 10 | $ 990,000 | $ 99,000 | $ 95,000 |
| Linn, Iowa | 9 | $ 1,335,000 | $ 148,333 | $ 93,000 |
| Mercer, Illinois | 7 | $ 245,000 | $ 35,000 | $ 65,000 |
| Keokuk, Iowa | 7 | $ 505,000 | $ 72,142 | $ 57,000 |
| Sarasota, Florida | 2 | $ 710,000 | $ 355,000 | $ 217,000 |
| Benton, Iowa | 2 | $ 370,000 | $ 185,000 | $ 132,000 |
| Henry, Iowa | 2 | $ 290,000 | $ 145,000 | $ 84,000 |
| Jefferson, Iowa | 2 | $ 560,000 | $ 280,000 | $ 122,000 |
| Polk, Iowa | 2 | $ 190,000 | $ 95,000 | $ 231,000 |
| Bonner, Idaho | 1 | $ 295,000 | $ 295,000 | $ 293,000 |
| Cook, Illinois | 1 | $ 335,000 | $ 335,000 | $ 152,000 |
| Peoria, Illinois | 1 | $ 95,000 | $ 95,000 | $ 73,000 |
| Clinton, Iowa | 1 | $ 5,000 | $ 5,000 | $ 31,000 |
| Dallas, Iowa | 1 | $ 255,000 | $ 255,000 | $ 78,000 |
| Des Moines, Iowa | 1 | $ 95,000 | $ 95,000 | $ 24,000 |
| Fayette, Iowa | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Iowa, Iowa | 1 | $ 505,000 | $ 505,000 | $ 143,000 |
| Sedgwick, Kansas | 1 | $ 185,000 | $ 185,000 | $ 68,000 |
| Grand Traverse, Michigan | 1 | $ 215,000 | $ 215,000 | $ 154,000 |
| Camden, Missouri | 1 | $ 295,000 | $ 295,000 | $ 859,000 |
Mortgage Loan Application Detail Totals for Cbi Bank & Trust in 2019
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 | 183 | $30,525,000 | $166,000 | $1,345,000 | $119,000 | $899,000 |
| Refinancing | 153 | $31,555,000 | $206,000 | $1,915,000 | $123,000 | $485,000 |
| Cash-out Refinancing | 50 | $7,250,000 | $145,000 | $375,000 | $103,000 | $293,000 |
| Home Improvement | 29 | $745,000 | $25,000 | $85,000 | $120,000 | $864,000 |
| Other Purpose | 27 | $845,000 | $31,000 | $185,000 | $59,000 | $117,000 |
| 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 | 360 | $52,970,000 | $147,000 | $1,155,000 | $117,000 | $899,000 |
| Not applicable | 29 | $10,825,000 | $373,000 | $1,915,000 | $0 | $0 |
| Hispanic | 23 | $2,235,000 | $97,000 | $275,000 | $77,000 | $229,000 |
| Not Provided | 21 | $3,105,000 | $147,000 | $455,000 | $90,000 | $178,000 |
| Asian | 4 | $740,000 | $185,000 | $405,000 | $220,000 | $613,000 |
| Black or African American | 1 | $115,000 | $115,000 | $115,000 | $30,000 | $30,000 |
| American Indian or Alaskan Native | 1 | $195,000 | $195,000 | $195,000 | $93,000 | $93,000 |
| 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) | 439 | $70,245,000 | $160,000 | $1,915,000 | $114,000 | $899,000 |
| VA-guaranteed (Veterans Administration) | 2 | $590,000 | $295,000 | $345,000 | $227,000 | $229,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $85,000 | $85,000 | $85,000 | $36,000 | $36,000 |
| 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 | 326 | $57,610,000 | $176,000 | $1,915,000 | $128,000 | $899,000 |
| Application Withdrawn By Applicant | 67 | $8,475,000 | $126,000 | $345,000 | $95,000 | $372,000 |
| Application Denied By Financial Institution | 43 | $4,035,000 | $93,000 | $1,155,000 | $60,000 | $480,000 |
| Application Approved But Not Accepted | 4 | $80,000 | $20,000 | $35,000 | $53,000 | $71,000 |
| File Closed For Incompleteness | 2 | $720,000 | $360,000 | $665,000 | $92,000 | $160,000 |
| 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 | 399 | $66,885,000 | $167,000 | $1,915,000 | $121,000 | $899,000 |
| Credit History | 20 | $2,950,000 | $147,000 | $1,155,000 | $80,000 | $480,000 |
| Debt-To-Income Ratio | 15 | $955,000 | $63,000 | $155,000 | $40,000 | $128,000 |
| Collateral | 5 | $75,000 | $15,000 | $25,000 | $59,000 | $117,000 |
| Employment History | 3 | $55,000 | $18,000 | $25,000 | $32,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2019 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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