Cbi Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, Cbi Bank & Trust of Muscatine, IA reported 863 mortgage applications totaling $123.4 million, up 15% from 2022. The average application was for $142,972, and applicants reported an average income of $125,748. 79% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (139), Iowa City, IA (104) and Peoria, IL (77) (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 | 863 |
| Total Mortgage Loan Application Amount | $123,385,000 |
| Average Mortgage Loan Application Amount | $142,972 |
| Highest Mortgage Loan Application Amount | $7,575,000 |
| Average Applicant Income | $125,748 |
| Highest Applicant Income | $4,376,000 |
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Act (HMDA) records Cbi Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 511 | $ 46,955,000 | $ 91,888 | $ 95,407 |
| Davenport-Moline-Rock Island, IA-IL | 139 | $ 22,865,000 | $ 164,496 | $ 137,733 |
| Iowa City, IA | 104 | $ 18,510,000 | $ 177,980 | $ 157,000 |
| Peoria, IL | 77 | $ 22,645,000 | $ 294,090 | $ 174,000 |
| Cedar Rapids, IA | 9 | $ 2,205,000 | $ 245,000 | $ 138,000 |
| Des Moines-West Des Moines, IA | 3 | $ 875,000 | $ 291,666 | $ 136,000 |
| Janesville-Beloit, WI | 3 | $ 505,000 | $ 168,333 | $ 123,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 840,000 | $ 420,000 | $ 655,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 2,090,000 | $ 1,045,000 | $ 2,470,000 |
| St. Louis, MO-IL | 2 | $ 410,000 | $ 205,000 | $ 77,000 |
| Ames, IA | 1 | $ 305,000 | $ 305,000 | $ 175,000 |
| Bloomington, IL | 1 | $ 295,000 | $ 295,000 | $ 177,000 |
| Chicago-Naperville, IL | 1 | $ 465,000 | $ 465,000 | $ 181,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 535,000 | $ 535,000 | $ 395,000 |
| Jacksonville, FL | 1 | $ 255,000 | $ 255,000 | $ 419,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 2,355,000 | $ 2,355,000 | $ 0 |
| Ocala, FL | 1 | $ 145,000 | $ 145,000 | $ 780,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Rockford, IL | 1 | $ 195,000 | $ 195,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for Cbi Bank & Trust in 2023
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 | $82,435,000 | $197,000 | $7,575,000 | $135,000 | $4,376,000 |
| Refinancing | 184 | $27,330,000 | $148,000 | $2,685,000 | $128,000 | $2,823,000 |
| Home Improvement | 151 | $7,365,000 | $48,000 | $655,000 | $103,000 | $384,000 |
| Other Purpose | 84 | $3,470,000 | $41,000 | $305,000 | $128,000 | $2,242,000 |
| Cash-out Refinancing | 24 | $2,520,000 | $105,000 | $265,000 | $83,000 | $226,000 |
| Not Applicable | 3 | $265,000 | $88,000 | $105,000 | $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 | 641 | $69,555,000 | $108,000 | $1,995,000 | $122,000 | $2,823,000 |
| Not applicable | 110 | $40,150,000 | $365,000 | $7,575,000 | $0 | $0 |
| Hispanic | 42 | $3,240,000 | $77,000 | $255,000 | $70,000 | $152,000 |
| Not Provided | 41 | $4,005,000 | $97,000 | $965,000 | $112,000 | $269,000 |
| Black or African American | 16 | $4,040,000 | $252,000 | $1,235,000 | $424,000 | $4,376,000 |
| Asian | 9 | $1,775,000 | $197,000 | $535,000 | $105,000 | $395,000 |
| American Indian or Alaskan Native | 3 | $245,000 | $81,000 | $155,000 | $119,000 | $171,000 |
| 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) | 860 | $123,140,000 | $143,000 | $7,575,000 | $125,000 | $4,376,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $245,000 | $81,000 | $85,000 | $71,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 681 | $96,515,000 | $141,000 | $7,575,000 | $130,000 | $4,376,000 |
| Application Denied By Financial Institution | 107 | $12,275,000 | $114,000 | $1,805,000 | $94,000 | $1,653,000 |
| Application Withdrawn By Applicant | 62 | $11,890,000 | $191,000 | $3,005,000 | $133,000 | $780,000 |
| Application Approved But Not Accepted | 8 | $2,210,000 | $276,000 | $965,000 | $143,000 | $269,000 |
| Loan Purchased By The Institution | 5 | $495,000 | $99,000 | $185,000 | $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 | 710 | $98,060,000 | $138,000 | $7,575,000 | $128,000 | $4,376,000 |
| Debt-To-Income Ratio | 97 | $16,295,000 | $167,000 | $2,355,000 | $102,000 | $752,000 |
| Credit History | 30 | $1,510,000 | $50,000 | $165,000 | $84,000 | $197,000 |
| Collateral | 14 | $5,480,000 | $391,000 | $1,805,000 | $270,000 | $1,653,000 |
| Unverifiable Information | 7 | $395,000 | $56,000 | $155,000 | $82,000 | $171,000 |
| Employment History | 2 | $110,000 | $55,000 | $85,000 | $47,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $300,000 | $150,000 | $165,000 | $75,000 | $102,000 |
| Other | 1 | $1,235,000 | $1,235,000 | $1,235,000 | $564,000 | $564,000 |
| Credit Application Incomplete | 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 2023 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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