Cbi Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Cbi Bank & Trust of Muscatine, IA reported 988 mortgage applications totaling $138.8 million, up 3% from 2024. The average application was for $140,526, and applicants reported an average income of $147,220. 78% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (251), Iowa City, IA (79) and Peoria, IL (64) (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 | 988 |
| Total Mortgage Loan Application Amount | $138,840,000 |
| Average Mortgage Loan Application Amount | $140,526 |
| Highest Mortgage Loan Application Amount | $6,305,000 |
| Average Applicant Income | $147,220 |
| Highest Applicant Income | $3,902,000 |
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Act (HMDA) records Cbi Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 503 | $ 58,685,000 | $ 116,669 | $ 128,946 |
| Davenport-Moline-Rock Island, IA-IL | 251 | $ 32,155,000 | $ 128,107 | $ 154,394 |
| Iowa City, IA | 79 | $ 18,035,000 | $ 228,291 | $ 180,000 |
| Peoria, IL | 64 | $ 12,300,000 | $ 192,187 | $ 211,000 |
| Janesville-Beloit, WI | 39 | $ 5,255,000 | $ 134,743 | $ 133,000 |
| Rockford, IL | 21 | $ 3,915,000 | $ 186,428 | $ 106,000 |
| Cedar Rapids, IA | 4 | $ 360,000 | $ 90,000 | $ 164,000 |
| Chicago-Naperville, IL | 4 | $ 950,000 | $ 237,500 | $ 94,000 |
| Des Moines-West Des Moines, IA | 4 | $ 1,540,000 | $ 385,000 | $ 134,000 |
| Baton Rouge, LA | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Bloomington, IL | 1 | $ 55,000 | $ 55,000 | $ 87,000 |
| Charleston-North Charleston, SC | 1 | $ 505,000 | $ 505,000 | $ 175,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| Elgin, IL | 1 | $ 45,000 | $ 45,000 | $ 300,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 255,000 | $ 255,000 | $ 284,000 |
| Kankakee, IL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Kenosha, WI | 1 | $ 35,000 | $ 35,000 | $ 96,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 485,000 | $ 485,000 | $ 1,185,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 1,245,000 | $ 1,245,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 435,000 | $ 435,000 | $ 388,000 |
| Punta Gorda, FL | 1 | $ 105,000 | $ 105,000 | $ 230,000 |
| Sioux Falls, SD | 1 | $ 215,000 | $ 215,000 | $ 86,000 |
| St. Louis, MO-IL | 1 | $ 105,000 | $ 105,000 | $ 369,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Wausau, WI | 1 | $ 355,000 | $ 355,000 | $ 123,000 |
Mortgage Loan Application Detail Totals for Cbi Bank & Trust in 2025
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 | 395 | $85,255,000 | $215,000 | $6,305,000 | $176,000 | $3,902,000 |
| Refinancing | 293 | $37,005,000 | $126,000 | $1,445,000 | $132,000 | $1,365,000 |
| Home Improvement | 215 | $11,305,000 | $52,000 | $355,000 | $136,000 | $2,150,000 |
| Other Purpose | 73 | $3,885,000 | $53,000 | $405,000 | $98,000 | $411,000 |
| Cash-out Refinancing | 12 | $1,390,000 | $115,000 | $365,000 | $72,000 | $137,000 |
| 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 | 746 | $90,440,000 | $121,000 | $1,235,000 | $144,000 | $3,902,000 |
| Not applicable | 127 | $33,905,000 | $266,000 | $6,305,000 | $0 | $0 |
| Hispanic | 44 | $4,630,000 | $105,000 | $1,445,000 | $125,000 | $1,365,000 |
| Not Provided | 43 | $5,145,000 | $119,000 | $435,000 | $186,000 | $2,150,000 |
| Asian | 11 | $3,425,000 | $311,000 | $1,125,000 | $258,000 | $832,000 |
| Black or African American | 11 | $795,000 | $72,000 | $185,000 | $67,000 | $113,000 |
| American Indian or Alaskan Native | 6 | $500,000 | $83,000 | $235,000 | $133,000 | $235,000 |
| 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) | 987 | $138,585,000 | $140,000 | $6,305,000 | $145,000 | $3,902,000 |
| FHA-insured (Federal Housing Administration) | 1 | $255,000 | $255,000 | $255,000 | $60,000 | $60,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 772 | $108,200,000 | $140,000 | $1,445,000 | $157,000 | $3,902,000 |
| Application Denied By Financial Institution | 125 | $17,285,000 | $138,000 | $6,305,000 | $90,000 | $500,000 |
| Application Withdrawn By Applicant | 75 | $11,715,000 | $156,000 | $805,000 | $128,000 | $673,000 |
| Application Approved But Not Accepted | 12 | $1,410,000 | $117,000 | $375,000 | $201,000 | $1,061,000 |
| Loan Purchased By The Institution | 4 | $230,000 | $57,000 | $85,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 863 | $121,555,000 | $140,000 | $1,445,000 | $155,000 | $3,902,000 |
| Debt-To-Income Ratio | 56 | $4,340,000 | $77,000 | $405,000 | $56,000 | $151,000 |
| Credit History | 34 | $3,230,000 | $95,000 | $1,245,000 | $97,000 | $300,000 |
| Employment History | 11 | $1,065,000 | $96,000 | $505,000 | $77,000 | $239,000 |
| Collateral | 11 | $7,745,000 | $704,000 | $6,305,000 | $204,000 | $500,000 |
| Credit Application Incomplete | 10 | $490,000 | $49,000 | $125,000 | $154,000 | $411,000 |
| Unverifiable Information | 2 | $360,000 | $180,000 | $265,000 | $40,000 | $40,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $93,000 | $93,000 |
| 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 2025 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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