Cbi Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Cbi Bank & Trust of Muscatine, IA reported 1,327 mortgage applications totaling $232.5 million, up 42% from 2020. The average application was for $175,211, and applicants reported an average income of $118,632. 85% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Iowa City, IA (201), Davenport-Moline-Rock Island, IA-IL (165) and Peoria, IL (134) (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 | 1,327 |
| Total Mortgage Loan Application Amount | $232,505,000 |
| Average Mortgage Loan Application Amount | $175,211 |
| Highest Mortgage Loan Application Amount | $23,505,000 |
| Average Applicant Income | $118,632 |
| Highest Applicant Income | $1,697,000 |
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Act (HMDA) records Cbi Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Knox, Illinois | 430 | $ 43,790,000 | $ 101,837 | $ 102,000 |
| Muscatine, Iowa | 232 | $ 32,880,000 | $ 141,724 | $ 99,000 |
| Johnson, Iowa | 157 | $ 37,785,000 | $ 240,668 | $ 163,000 |
| Peoria, Illinois | 96 | $ 37,840,000 | $ 394,166 | $ 116,000 |
| Scott, Iowa | 95 | $ 20,545,000 | $ 216,263 | $ 140,000 |
| Washington, Iowa | 44 | $ 5,600,000 | $ 127,272 | $ 91,000 |
| Rock Island, Illinois | 31 | $ 8,095,000 | $ 261,129 | $ 132,000 |
| Henry, Illinois | 25 | $ 2,935,000 | $ 117,400 | $ 90,000 |
| Warren, Illinois | 25 | $ 2,335,000 | $ 93,400 | $ 64,000 |
| Linn, Iowa | 16 | $ 5,300,000 | $ 331,250 | $ 118,000 |
| Mercer, Illinois | 14 | $ 1,470,000 | $ 105,000 | $ 79,000 |
| Tazewell, Illinois | 14 | $ 2,860,000 | $ 204,285 | $ 234,000 |
| Woodford, Illinois | 13 | $ 2,615,000 | $ 201,153 | $ 163,000 |
| Cedar, Iowa | 11 | $ 1,785,000 | $ 162,272 | $ 126,000 |
| Keokuk, Iowa | 9 | $ 525,000 | $ 58,333 | $ 74,000 |
| Fulton, Illinois | 8 | $ 610,000 | $ 76,250 | $ 69,000 |
| McDonough, Illinois | 7 | $ 705,000 | $ 100,714 | $ 73,000 |
| Louisa, Iowa | 7 | $ 745,000 | $ 106,428 | $ 95,000 |
| Clinton, Iowa | 6 | $ 560,000 | $ 93,333 | $ 117,000 |
| Henry, Iowa | 6 | $ 850,000 | $ 141,666 | $ 171,000 |
| Champaign, Illinois | 5 | $ 4,965,000 | $ 993,000 | $ 140,000 |
| DuPage, Illinois | 4 | $ 1,270,000 | $ 317,500 | $ 551,000 |
| Henderson, Illinois | 4 | $ 310,000 | $ 77,500 | $ 78,000 |
| Sarasota, Florida | 3 | $ 885,000 | $ 295,000 | $ 280,000 |
| McLean, Illinois | 3 | $ 895,000 | $ 298,333 | $ 156,000 |
| Stark, Illinois | 3 | $ 295,000 | $ 98,333 | $ 141,000 |
| Des Moines, Iowa | 3 | $ 315,000 | $ 105,000 | $ 100,000 |
| Polk, Iowa | 3 | $ 445,000 | $ 148,333 | $ 74,000 |
| Maricopa, Arizona | 2 | $ 430,000 | $ 215,000 | $ 45,000 |
| Collier, Florida | 2 | $ 490,000 | $ 245,000 | $ 228,000 |
| Highlands, Florida | 2 | $ 360,000 | $ 180,000 | $ 490,000 |
| Manatee, Florida | 2 | $ 650,000 | $ 325,000 | $ 423,000 |
| Cook, Illinois | 2 | $ 260,000 | $ 130,000 | $ 125,000 |
| Lake, Illinois | 2 | $ 300,000 | $ 150,000 | $ 101,000 |
| Mason, Illinois | 2 | $ 240,000 | $ 120,000 | $ 161,000 |
| Iowa, Iowa | 2 | $ 340,000 | $ 170,000 | $ 50,000 |
| Jefferson, Iowa | 2 | $ 240,000 | $ 120,000 | $ 111,000 |
| Wapello, Iowa | 2 | $ 220,000 | $ 110,000 | $ 80,000 |
| Charleston, South Carolina | 2 | $ 1,400,000 | $ 700,000 | $ 248,000 |
| Drew, Arkansas | 1 | $ 245,000 | $ 245,000 | $ 52,000 |
| Washington, Arkansas | 1 | $ 205,000 | $ 205,000 | $ 141,000 |
| Brevard, Florida | 1 | $ 185,000 | $ 185,000 | $ 87,000 |
| Hillsborough, Florida | 1 | $ 445,000 | $ 445,000 | $ 148,000 |
| Lake, Florida | 1 | $ 265,000 | $ 265,000 | $ 83,000 |
| Lee, Florida | 1 | $ 925,000 | $ 925,000 | $ 1,672,000 |
| Santa Rosa, Florida | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Bureau, Illinois | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Kendall, Illinois | 1 | $ 525,000 | $ 525,000 | $ 474,000 |
| Macoupin, Illinois | 1 | $ 35,000 | $ 35,000 | $ 51,000 |
| Ogle, Illinois | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Whiteside, Illinois | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Marion, Indiana | 1 | $ 295,000 | $ 295,000 | $ 141,000 |
| Benton, Iowa | 1 | $ 325,000 | $ 325,000 | $ 120,000 |
| Buchanan, Iowa | 1 | $ 285,000 | $ 285,000 | $ 66,000 |
| Dubuque, Iowa | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Lee, Iowa | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Monroe, Iowa | 1 | $ 145,000 | $ 145,000 | $ 87,000 |
| Sioux, Iowa | 1 | $ 155,000 | $ 155,000 | $ 93,000 |
| Van Buren, Michigan | 1 | $ 305,000 | $ 305,000 | $ 325,000 |
| Crow Wing, Minnesota | 1 | $ 295,000 | $ 295,000 | $ 105,000 |
| Camden, Missouri | 1 | $ 95,000 | $ 95,000 | $ 367,000 |
| Laclede, Missouri | 1 | $ 225,000 | $ 225,000 | $ 84,000 |
| Morgan, Missouri | 1 | $ 115,000 | $ 115,000 | $ 159,000 |
| Marion, Oregon | 1 | $ 345,000 | $ 345,000 | $ 200,000 |
| Beaufort, South Carolina | 1 | $ 395,000 | $ 395,000 | $ 371,000 |
| Lawrence, South Dakota | 1 | $ 225,000 | $ 225,000 | $ 86,000 |
| Sevier, Tennessee | 1 | $ 395,000 | $ 395,000 | $ 828,000 |
| Harris, Texas | 1 | $ 355,000 | $ 355,000 | $ 134,000 |
| Snohomish, Washington | 1 | $ 265,000 | $ 265,000 | $ 203,000 |
| Sheboygan, Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 278,000 |
Mortgage Loan Application Detail Totals for Cbi Bank & Trust in 2021
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 | 628 | $107,120,000 | $170,000 | $2,925,000 | $123,000 | $1,672,000 |
| Refinancing | 432 | $91,440,000 | $211,000 | $23,505,000 | $120,000 | $1,697,000 |
| Cash-out Refinancing | 196 | $29,980,000 | $152,000 | $545,000 | $110,000 | $1,180,000 |
| Home Improvement | 35 | $1,495,000 | $42,000 | $255,000 | $84,000 | $262,000 |
| Other Purpose | 34 | $2,360,000 | $69,000 | $525,000 | $106,000 | $278,000 |
| Not Applicable | 2 | $110,000 | $55,000 | $55,000 | $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 | 1,051 | $151,515,000 | $144,000 | $1,015,000 | $118,000 | $1,697,000 |
| Not applicable | 129 | $55,565,000 | $430,000 | $23,505,000 | $0 | $0 |
| Hispanic | 46 | $5,290,000 | $115,000 | $455,000 | $88,000 | $575,000 |
| Asian | 39 | $8,695,000 | $222,000 | $535,000 | $140,000 | $380,000 |
| Not Provided | 39 | $8,865,000 | $227,000 | $555,000 | $176,000 | $1,521,000 |
| Black or African American | 20 | $2,160,000 | $108,000 | $265,000 | $86,000 | $413,000 |
| American Indian or Alaskan Native | 1 | $115,000 | $115,000 | $115,000 | $50,000 | $50,000 |
| 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) | 1,324 | $232,250,000 | $175,000 | $23,505,000 | $119,000 | $1,697,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $110,000 | $55,000 | $55,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 1 | $145,000 | $145,000 | $145,000 | $70,000 | $70,000 |
| VA-guaranteed (Veterans 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 | 1,124 | $178,350,000 | $158,000 | $2,925,000 | $121,000 | $1,697,000 |
| Application Withdrawn By Applicant | 118 | $44,410,000 | $376,000 | $23,505,000 | $131,000 | $1,521,000 |
| Application Denied By Financial Institution | 75 | $7,765,000 | $103,000 | $505,000 | $68,000 | $561,000 |
| Application Approved But Not Accepted | 4 | $1,080,000 | $270,000 | $525,000 | $70,000 | $87,000 |
| File Closed For Incompleteness | 3 | $645,000 | $215,000 | $255,000 | $187,000 | $295,000 |
| Loan Purchased By The Institution | 3 | $255,000 | $85,000 | $145,000 | $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 | 1,252 | $224,740,000 | $179,000 | $23,505,000 | $122,000 | $1,697,000 |
| Credit History | 32 | $2,560,000 | $80,000 | $505,000 | $56,000 | $151,000 |
| Debt-To-Income Ratio | 29 | $3,515,000 | $121,000 | $265,000 | $48,000 | $126,000 |
| Collateral | 9 | $1,255,000 | $139,000 | $495,000 | $145,000 | $561,000 |
| Employment History | 2 | $130,000 | $65,000 | $125,000 | $57,000 | $62,000 |
| Unverifiable Information | 2 | $50,000 | $25,000 | $35,000 | $147,000 | $252,000 |
| Other | 1 | $255,000 | $255,000 | $255,000 | $141,000 | $141,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cbi Bank & Trust's 2021 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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