Cbi Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Cbi Bank & Trust of Muscatine, IA reported 933 mortgage applications totaling $172.2 million, up 111% from 2019. The average application was for $184,560, and applicants reported an average income of $124,282. 84% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Iowa City, IA (269), Davenport-Moline-Rock Island, IA-IL (158) and Cedar Rapids, IA (22) (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 | 933 |
| Total Mortgage Loan Application Amount | $172,195,000 |
| Average Mortgage Loan Application Amount | $184,560 |
| Highest Mortgage Loan Application Amount | $4,705,000 |
| Average Applicant Income | $124,282 |
| 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Act (HMDA) records Cbi Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 461 | $ 68,385,000 | $ 148,340 | $ 115,624 |
| Iowa City, IA | 269 | $ 62,615,000 | $ 232,769 | $ 141,000 |
| Davenport-Moline-Rock Island, IA-IL | 158 | $ 29,830,000 | $ 188,797 | $ 99,392 |
| Cedar Rapids, IA | 22 | $ 5,570,000 | $ 253,181 | $ 158,000 |
| Des Moines-West Des Moines, IA | 6 | $ 1,810,000 | $ 301,666 | $ 223,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 485,000 | $ 161,666 | $ 544,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 570,000 | $ 285,000 | $ 225,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 360,000 | $ 180,000 | $ 96,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 310,000 | $ 155,000 | $ 173,000 |
| Austin-Round Rock, TX | 1 | $ 315,000 | $ 315,000 | $ 163,000 |
| Chicago-Naperville, IL | 1 | $ 255,000 | $ 255,000 | $ 275,000 |
| Elgin, IL | 1 | $ 105,000 | $ 105,000 | $ 67,000 |
| Fayetteville, NC | 1 | $ 215,000 | $ 215,000 | $ 74,000 |
| Fort Collins, CO | 1 | $ 515,000 | $ 515,000 | $ 706,000 |
| Madison, WI | 1 | $ 325,000 | $ 325,000 | $ 170,000 |
| Salem, OR | 1 | $ 345,000 | $ 345,000 | $ 197,000 |
| Tulsa, OK | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for Cbi Bank & Trust in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 450 | $90,320,000 | $200,000 | $4,705,000 | $133,000 | $1,242,000 |
| Home Purchase | 252 | $44,630,000 | $177,000 | $755,000 | $127,000 | $1,697,000 |
| Cash-out Refinancing | 192 | $35,520,000 | $185,000 | $515,000 | $109,000 | $706,000 |
| Home Improvement | 22 | $940,000 | $42,000 | $255,000 | $84,000 | $146,000 |
| Other Purpose | 17 | $785,000 | $46,000 | $185,000 | $78,000 | $214,000 |
| 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 | 770 | $142,390,000 | $184,000 | $4,705,000 | $126,000 | $1,697,000 |
| Not applicable | 55 | $11,295,000 | $205,000 | $1,245,000 | $0 | $0 |
| Not Provided | 52 | $9,660,000 | $185,000 | $445,000 | $114,000 | $328,000 |
| Hispanic | 20 | $2,150,000 | $107,000 | $255,000 | $64,000 | $142,000 |
| Asian | 18 | $3,430,000 | $190,000 | $355,000 | $149,000 | $430,000 |
| Black or African American | 9 | $1,615,000 | $179,000 | $515,000 | $144,000 | $450,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $85,000 | $85,000 | $85,000 | $136,000 | $136,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $27,000 | $27,000 |
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) | 933 | $172,195,000 | $184,000 | $4,705,000 | $124,000 | $1,697,000 |
| 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 |
| 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 | 782 | $149,260,000 | $190,000 | $4,705,000 | $130,000 | $1,697,000 |
| Application Withdrawn By Applicant | 87 | $15,065,000 | $173,000 | $755,000 | $119,000 | $725,000 |
| Application Denied By Financial Institution | 58 | $7,170,000 | $123,000 | $435,000 | $60,000 | $237,000 |
| Application Approved But Not Accepted | 4 | $300,000 | $75,000 | $105,000 | $132,000 | $143,000 |
| File Closed For Incompleteness | 2 | $400,000 | $200,000 | $245,000 | $74,000 | $75,000 |
| 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 | 875 | $165,025,000 | $188,000 | $4,705,000 | $129,000 | $1,697,000 |
| Credit History | 27 | $2,675,000 | $99,000 | $365,000 | $63,000 | $144,000 |
| Debt-To-Income Ratio | 21 | $2,685,000 | $127,000 | $335,000 | $50,000 | $145,000 |
| Employment History | 3 | $425,000 | $141,000 | $215,000 | $45,000 | $56,000 |
| Other | 3 | $955,000 | $318,000 | $435,000 | $237,000 | $237,000 |
| Collateral | 3 | $415,000 | $138,000 | $205,000 | $69,000 | $79,000 |
| Unverifiable Information | 1 | $15,000 | $15,000 | $15,000 | $70,000 | $70,000 |
| 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 2020 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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