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Act (HMDA) records Cbi Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 763 | $ 88,835,000 | $ 116,428 | $ 100,961 |
| Iowa City, IA | 201 | $ 43,385,000 | $ 215,845 | $ 144,000 |
| Davenport-Moline-Rock Island, IA-IL | 165 | $ 33,045,000 | $ 200,272 | $ 124,303 |
| Peoria, IL | 134 | $ 44,220,000 | $ 330,000 | $ 127,000 |
| Cedar Rapids, IA | 17 | $ 5,625,000 | $ 330,882 | $ 118,000 |
| Chicago-Naperville, IL | 6 | $ 1,530,000 | $ 255,000 | $ 409,000 |
| Champaign-Urbana, IL | 5 | $ 4,965,000 | $ 993,000 | $ 140,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 1,535,000 | $ 307,000 | $ 337,000 |
| Bloomington, IL | 3 | $ 895,000 | $ 298,333 | $ 156,000 |
| Des Moines-West Des Moines, IA | 3 | $ 445,000 | $ 148,333 | $ 74,000 |
| Charleston-North Charleston, SC | 2 | $ 1,400,000 | $ 700,000 | $ 248,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 300,000 | $ 150,000 | $ 101,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 490,000 | $ 245,000 | $ 228,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 430,000 | $ 215,000 | $ 45,000 |
| Sebring, FL | 2 | $ 360,000 | $ 180,000 | $ 490,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 925,000 | $ 925,000 | $ 1,672,000 |
| Dubuque, IA | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Elgin, IL | 1 | $ 525,000 | $ 525,000 | $ 474,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 205,000 | $ 205,000 | $ 141,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 395,000 | $ 395,000 | $ 371,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 355,000 | $ 355,000 | $ 134,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 295,000 | $ 295,000 | $ 141,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 265,000 | $ 265,000 | $ 83,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 185,000 | $ 185,000 | $ 87,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Salem, OR | 1 | $ 345,000 | $ 345,000 | $ 200,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 265,000 | $ 265,000 | $ 203,000 |
| Sheboygan, WI | 1 | $ 225,000 | $ 225,000 | $ 278,000 |
| St. Louis, MO-IL | 1 | $ 35,000 | $ 35,000 | $ 51,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 445,000 | $ 445,000 | $ 148,000 |
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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