Cbi Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Cbi Bank & Trust of Muscatine, IA reported 961 mortgage applications totaling $123.3 million, up 11% from 2023. The average application was for $128,257, and applicants reported an average income of $123,192. 78% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (254), Peoria, IL (73) and Iowa City, IA (68) (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 | 961 |
| Total Mortgage Loan Application Amount | $123,255,000 |
| Average Mortgage Loan Application Amount | $128,257 |
| Highest Mortgage Loan Application Amount | $2,835,000 |
| Average Applicant Income | $123,192 |
| Highest Applicant Income | $3,018,000 |
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Act (HMDA) records Cbi Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 251 | $ 17,955,000 | $ 71,533 | $ 106,000 |
| Muscatine, Iowa | 174 | $ 18,040,000 | $ 103,678 | $ 102,000 |
| Scott, Iowa | 118 | $ 19,740,000 | $ 167,288 | $ 119,000 |
| Rock Island, Illinois | 74 | $ 8,270,000 | $ 111,756 | $ 92,000 |
| Peoria, Illinois | 59 | $ 13,295,000 | $ 225,338 | $ 290,000 |
| Johnson, Iowa | 45 | $ 13,525,000 | $ 300,555 | $ 242,000 |
| Mercer, Illinois | 42 | $ 2,880,000 | $ 68,571 | $ 87,000 |
| Rock, Wisconsin | 36 | $ 5,240,000 | $ 145,555 | $ 101,000 |
| Washington, Iowa | 23 | $ 1,945,000 | $ 84,565 | $ 74,000 |
| Henry, Illinois | 20 | $ 1,400,000 | $ 70,000 | $ 93,000 |
| Warren, Illinois | 20 | $ 1,340,000 | $ 67,000 | $ 100,000 |
| Winnebago, Illinois | 13 | $ 1,155,000 | $ 88,846 | $ 92,000 |
| Tazewell, Illinois | 10 | $ 1,970,000 | $ 197,000 | $ 170,000 |
| Louisa, Iowa | 10 | $ 1,510,000 | $ 151,000 | $ 99,000 |
| Iowa, Iowa | 6 | $ 2,990,000 | $ 498,333 | $ 172,000 |
| Linn, Iowa | 6 | $ 730,000 | $ 121,666 | $ 158,000 |
| Fulton, Illinois | 4 | $ 490,000 | $ 122,500 | $ 97,000 |
| Woodford, Illinois | 4 | $ 880,000 | $ 220,000 | $ 148,000 |
| Cedar, Iowa | 4 | $ 300,000 | $ 75,000 | $ 71,000 |
| Clinton, Iowa | 4 | $ 310,000 | $ 77,500 | $ 95,000 |
| Walworth, Wisconsin | 3 | $ 335,000 | $ 111,666 | $ 174,000 |
| Manatee, Florida | 2 | $ 940,000 | $ 470,000 | $ 219,000 |
| Cook, Illinois | 2 | $ 470,000 | $ 235,000 | $ 139,000 |
| DuPage, Illinois | 2 | $ 330,000 | $ 165,000 | $ 185,000 |
| Will, Illinois | 2 | $ 400,000 | $ 200,000 | $ 200,000 |
| Des Moines, Iowa | 2 | $ 130,000 | $ 65,000 | $ 89,000 |
| Keokuk, Iowa | 2 | $ 290,000 | $ 145,000 | $ 66,000 |
| Baxter, Arkansas | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Collier, Florida | 1 | $ 445,000 | $ 445,000 | $ 457,000 |
| Marion, Florida | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Sarasota, Florida | 1 | $ 55,000 | $ 55,000 | $ 113,000 |
| Champaign, Illinois | 1 | $ 55,000 | $ 55,000 | $ 306,000 |
| Henderson, Illinois | 1 | $ 15,000 | $ 15,000 | $ 90,000 |
| Jersey, Illinois | 1 | $ 675,000 | $ 675,000 | $ 369,000 |
| McDonough, Illinois | 1 | $ 35,000 | $ 35,000 | $ 18,000 |
| McLean, Illinois | 1 | $ 235,000 | $ 235,000 | $ 158,000 |
| Whiteside, Illinois | 1 | $ 25,000 | $ 25,000 | $ 135,000 |
| Marshall, Indiana | 1 | $ 505,000 | $ 505,000 | $ 250,000 |
| Dallas, Iowa | 1 | $ 765,000 | $ 765,000 | $ 700,000 |
| Dubuque, Iowa | 1 | $ 185,000 | $ 185,000 | $ 126,000 |
| Henry, Iowa | 1 | $ 25,000 | $ 25,000 | $ 87,000 |
| Marshall, Iowa | 1 | $ 305,000 | $ 305,000 | $ 192,000 |
| Ingham, Michigan | 1 | $ 305,000 | $ 305,000 | $ 323,000 |
| Camden, Missouri | 1 | $ 265,000 | $ 265,000 | $ 162,000 |
| Morgan, Missouri | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Sarpy, Nebraska | 1 | $ 85,000 | $ 85,000 | $ 124,000 |
| Horry, South Carolina | 1 | $ 375,000 | $ 375,000 | $ 130,000 |
| Bexar, Texas | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Adams, Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 95,000 |
| Green Lake, Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 141,000 |
Mortgage Loan Application Detail Totals for Cbi Bank & Trust in 2024
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 | 417 | $84,885,000 | $203,000 | $2,835,000 | $133,000 | $3,018,000 |
| Refinancing | 233 | $21,155,000 | $90,000 | $675,000 | $118,000 | $759,000 |
| Home Improvement | 182 | $8,560,000 | $47,000 | $355,000 | $111,000 | $605,000 |
| Other Purpose | 106 | $5,440,000 | $51,000 | $385,000 | $124,000 | $1,264,000 |
| Cash-out Refinancing | 21 | $3,085,000 | $146,000 | $365,000 | $87,000 | $271,000 |
| Not Applicable | 2 | $130,000 | $65,000 | $85,000 | $130,000 | $130,000 |
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 | 735 | $85,875,000 | $116,000 | $2,835,000 | $119,000 | $1,264,000 |
| Not applicable | 108 | $20,470,000 | $189,000 | $1,405,000 | $0 | $0 |
| Hispanic | 51 | $5,625,000 | $110,000 | $395,000 | $81,000 | $234,000 |
| Not Provided | 36 | $4,810,000 | $133,000 | $445,000 | $115,000 | $393,000 |
| Black or African American | 21 | $5,095,000 | $242,000 | $1,645,000 | $366,000 | $3,018,000 |
| Asian | 8 | $1,270,000 | $158,000 | $475,000 | $163,000 | $449,000 |
| American Indian or Alaskan Native | 2 | $110,000 | $55,000 | $85,000 | $114,000 | $118,000 |
| 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) | 958 | $122,940,000 | $128,000 | $2,835,000 | $123,000 | $3,018,000 |
| FHA-insured (Federal Housing Administration) | 1 | $95,000 | $95,000 | $95,000 | $54,000 | $54,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 1 | $175,000 | $175,000 | $175,000 | $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 | 745 | $97,975,000 | $131,000 | $2,835,000 | $129,000 | $3,018,000 |
| Application Denied By Financial Institution | 130 | $12,250,000 | $94,000 | $1,405,000 | $80,000 | $1,146,000 |
| Application Withdrawn By Applicant | 82 | $12,810,000 | $156,000 | $955,000 | $147,000 | $1,264,000 |
| Loan Purchased By The Institution | 2 | $110,000 | $55,000 | $65,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $75,000 | $75,000 | $75,000 | $57,000 | $57,000 |
| Application Approved But Not Accepted | 1 | $35,000 | $35,000 | $35,000 | $118,000 | $118,000 |
| 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 | 831 | $111,005,000 | $133,000 | $2,835,000 | $130,000 | $3,018,000 |
| Debt-To-Income Ratio | 67 | $6,425,000 | $95,000 | $685,000 | $63,000 | $186,000 |
| Credit History | 38 | $2,080,000 | $54,000 | $545,000 | $71,000 | $165,000 |
| Employment History | 7 | $345,000 | $49,000 | $205,000 | $63,000 | $126,000 |
| Collateral | 7 | $1,735,000 | $247,000 | $1,405,000 | $102,000 | $180,000 |
| Credit Application Incomplete | 6 | $300,000 | $50,000 | $95,000 | $139,000 | $280,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $670,000 | $335,000 | $605,000 | $56,000 | $56,000 |
| Unverifiable Information | 2 | $120,000 | $60,000 | $75,000 | $600,000 | $1,146,000 |
| Other | 1 | $575,000 | $575,000 | $575,000 | $165,000 | $165,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cbi Bank & Trust's 2024 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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