Cbi Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Cbi Bank & Trust of Muscatine, IA reported 752 mortgage applications totaling $124.2 million, down 43% from 2021. The average application was for $165,093, and applicants reported an average income of $118,625. 80% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (100), Iowa City, IA (96) and Peoria, IL (86) (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 | 752 |
| Total Mortgage Loan Application Amount | $124,150,000 |
| Average Mortgage Loan Application Amount | $165,093 |
| Highest Mortgage Loan Application Amount | $10,605,000 |
| Average Applicant Income | $118,625 |
| Highest Applicant Income | $1,714,000 |
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Act (HMDA) records Cbi Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 432 | $ 47,540,000 | $ 110,046 | $ 91,212 |
| Davenport-Moline-Rock Island, IA-IL | 100 | $ 19,390,000 | $ 193,900 | $ 125,210 |
| Iowa City, IA | 96 | $ 21,930,000 | $ 228,437 | $ 172,000 |
| Peoria, IL | 86 | $ 16,710,000 | $ 194,302 | $ 156,000 |
| Cedar Rapids, IA | 16 | $ 2,760,000 | $ 172,500 | $ 186,000 |
| Bloomington, IL | 2 | $ 230,000 | $ 115,000 | $ 139,000 |
| Des Moines-West Des Moines, IA | 2 | $ 330,000 | $ 165,000 | $ 258,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 710,000 | $ 355,000 | $ 536,000 |
| Springfield, IL | 2 | $ 420,000 | $ 210,000 | $ 188,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 225,000 | $ 225,000 | $ 394,000 |
| Champaign-Urbana, IL | 1 | $ 10,605,000 | $ 10,605,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 205,000 | $ 205,000 | $ 77,000 |
| Chicago-Naperville, IL | 1 | $ 515,000 | $ 515,000 | $ 310,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 445,000 | $ 445,000 | $ 156,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 105,000 | $ 105,000 | $ 487,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 315,000 | $ 315,000 | $ 102,000 |
| Ocala, FL | 1 | $ 165,000 | $ 165,000 | $ 808,000 |
| Oklahoma City, OK | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 45,000 | $ 45,000 | $ 87,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 175,000 | $ 175,000 | $ 350,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 325,000 | $ 325,000 | $ 136,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 225,000 | $ 225,000 | $ 129,000 |
Mortgage Loan Application Detail Totals for Cbi Bank & Trust in 2022
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 | 480 | $97,360,000 | $202,000 | $10,605,000 | $123,000 | $918,000 |
| Refinancing | 150 | $15,780,000 | $105,000 | $1,175,000 | $125,000 | $1,400,000 |
| Cash-out Refinancing | 45 | $7,175,000 | $159,000 | $555,000 | $118,000 | $1,714,000 |
| Home Improvement | 41 | $2,135,000 | $52,000 | $255,000 | $71,000 | $240,000 |
| Other Purpose | 34 | $1,540,000 | $45,000 | $175,000 | $87,000 | $182,000 |
| Not Applicable | 2 | $160,000 | $80,000 | $95,000 | $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 | 554 | $76,620,000 | $138,000 | $945,000 | $121,000 | $1,714,000 |
| Not applicable | 113 | $35,625,000 | $315,000 | $10,605,000 | $0 | $0 |
| Hispanic | 34 | $3,940,000 | $115,000 | $515,000 | $92,000 | $349,000 |
| Not Provided | 26 | $4,080,000 | $156,000 | $645,000 | $88,000 | $246,000 |
| Black or African American | 15 | $1,555,000 | $103,000 | $355,000 | $109,000 | $467,000 |
| Asian | 6 | $1,620,000 | $270,000 | $515,000 | $141,000 | $310,000 |
| American Indian or Alaskan Native | 3 | $305,000 | $101,000 | $135,000 | $76,000 | $121,000 |
| 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) | 748 | $123,720,000 | $165,000 | $10,605,000 | $118,000 | $1,714,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $275,000 | $91,000 | $115,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 1 | $155,000 | $155,000 | $155,000 | $74,000 | $74,000 |
| 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 | 602 | $100,310,000 | $166,000 | $10,605,000 | $125,000 | $1,714,000 |
| Application Withdrawn By Applicant | 75 | $16,665,000 | $222,000 | $1,405,000 | $120,000 | $536,000 |
| Application Denied By Financial Institution | 68 | $6,370,000 | $93,000 | $475,000 | $63,000 | $221,000 |
| Application Approved But Not Accepted | 3 | $425,000 | $141,000 | $335,000 | $73,000 | $93,000 |
| Loan Purchased By The Institution | 3 | $275,000 | $91,000 | $115,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $36,000 | $36,000 |
| 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 | 684 | $117,780,000 | $172,000 | $10,605,000 | $124,000 | $1,714,000 |
| Debt-To-Income Ratio | 28 | $2,780,000 | $99,000 | $425,000 | $51,000 | $152,000 |
| Credit History | 23 | $1,885,000 | $81,000 | $475,000 | $62,000 | $144,000 |
| Collateral | 11 | $1,205,000 | $109,000 | $375,000 | $114,000 | $221,000 |
| Employment History | 3 | $115,000 | $38,000 | $55,000 | $30,000 | $38,000 |
| Credit Application Incomplete | 1 | $25,000 | $25,000 | $25,000 | $46,000 | $46,000 |
| Other | 1 | $245,000 | $245,000 | $245,000 | $92,000 | $92,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $57,000 | $57,000 |
| 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 2022 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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