Cbi Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Cbi Bank & Trust of Muscatine, IA reported 961 mortgage applications totaling $123.3 million, up 11% from 2023. The average application was for $128,257, and applicants reported an average income of $123,192. 78% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (254), Peoria, IL (73) and Iowa City, IA (68) (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 | 961 |
| Total Mortgage Loan Application Amount | $123,255,000 |
| Average Mortgage Loan Application Amount | $128,257 |
| Highest Mortgage Loan Application Amount | $2,835,000 |
| Average Applicant Income | $123,192 |
| Highest Applicant Income | $3,018,000 |
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Act (HMDA) records Cbi Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 491 | $ 46,655,000 | $ 95,020 | $ 105,165 |
| Davenport-Moline-Rock Island, IA-IL | 254 | $ 32,290,000 | $ 127,125 | $ 104,007 |
| Peoria, IL | 73 | $ 16,145,000 | $ 221,164 | $ 269,000 |
| Iowa City, IA | 68 | $ 15,470,000 | $ 227,500 | $ 176,000 |
| Janesville-Beloit, WI | 36 | $ 5,240,000 | $ 145,555 | $ 101,000 |
| Rockford, IL | 13 | $ 1,155,000 | $ 88,846 | $ 92,000 |
| Cedar Rapids, IA | 6 | $ 730,000 | $ 121,666 | $ 158,000 |
| Chicago-Naperville, IL | 6 | $ 1,200,000 | $ 200,000 | $ 174,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 995,000 | $ 331,666 | $ 166,000 |
| Bloomington, IL | 1 | $ 235,000 | $ 235,000 | $ 158,000 |
| Champaign-Urbana, IL | 1 | $ 55,000 | $ 55,000 | $ 306,000 |
| Des Moines-West Des Moines, IA | 1 | $ 765,000 | $ 765,000 | $ 700,000 |
| Dubuque, IA | 1 | $ 185,000 | $ 185,000 | $ 126,000 |
| Lansing-East Lansing, MI | 1 | $ 305,000 | $ 305,000 | $ 323,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 375,000 | $ 375,000 | $ 130,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 445,000 | $ 445,000 | $ 457,000 |
| Ocala, FL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 85,000 | $ 85,000 | $ 124,000 |
| San Antonio-New Braunfels, TX | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| St. Louis, MO-IL | 1 | $ 675,000 | $ 675,000 | $ 369,000 |
Mortgage Loan Application Detail Totals for Cbi Bank & Trust in 2024
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 | $84,885,000 | $203,000 | $2,835,000 | $133,000 | $3,018,000 |
| Refinancing | 233 | $21,155,000 | $90,000 | $675,000 | $118,000 | $759,000 |
| Home Improvement | 182 | $8,560,000 | $47,000 | $355,000 | $111,000 | $605,000 |
| Other Purpose | 106 | $5,440,000 | $51,000 | $385,000 | $124,000 | $1,264,000 |
| Cash-out Refinancing | 21 | $3,085,000 | $146,000 | $365,000 | $87,000 | $271,000 |
| Not Applicable | 2 | $130,000 | $65,000 | $85,000 | $130,000 | $130,000 |
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 | 735 | $85,875,000 | $116,000 | $2,835,000 | $119,000 | $1,264,000 |
| Not applicable | 108 | $20,470,000 | $189,000 | $1,405,000 | $0 | $0 |
| Hispanic | 51 | $5,625,000 | $110,000 | $395,000 | $81,000 | $234,000 |
| Not Provided | 36 | $4,810,000 | $133,000 | $445,000 | $115,000 | $393,000 |
| Black or African American | 21 | $5,095,000 | $242,000 | $1,645,000 | $366,000 | $3,018,000 |
| Asian | 8 | $1,270,000 | $158,000 | $475,000 | $163,000 | $449,000 |
| American Indian or Alaskan Native | 2 | $110,000 | $55,000 | $85,000 | $114,000 | $118,000 |
| 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) | 958 | $122,940,000 | $128,000 | $2,835,000 | $123,000 | $3,018,000 |
| FHA-insured (Federal Housing Administration) | 1 | $95,000 | $95,000 | $95,000 | $54,000 | $54,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 1 | $175,000 | $175,000 | $175,000 | $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 | 745 | $97,975,000 | $131,000 | $2,835,000 | $129,000 | $3,018,000 |
| Application Denied By Financial Institution | 130 | $12,250,000 | $94,000 | $1,405,000 | $80,000 | $1,146,000 |
| Application Withdrawn By Applicant | 82 | $12,810,000 | $156,000 | $955,000 | $147,000 | $1,264,000 |
| Loan Purchased By The Institution | 2 | $110,000 | $55,000 | $65,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $75,000 | $75,000 | $75,000 | $57,000 | $57,000 |
| Application Approved But Not Accepted | 1 | $35,000 | $35,000 | $35,000 | $118,000 | $118,000 |
| 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 | 831 | $111,005,000 | $133,000 | $2,835,000 | $130,000 | $3,018,000 |
| Debt-To-Income Ratio | 67 | $6,425,000 | $95,000 | $685,000 | $63,000 | $186,000 |
| Credit History | 38 | $2,080,000 | $54,000 | $545,000 | $71,000 | $165,000 |
| Employment History | 7 | $345,000 | $49,000 | $205,000 | $63,000 | $126,000 |
| Collateral | 7 | $1,735,000 | $247,000 | $1,405,000 | $102,000 | $180,000 |
| Credit Application Incomplete | 6 | $300,000 | $50,000 | $95,000 | $139,000 | $280,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $670,000 | $335,000 | $605,000 | $56,000 | $56,000 |
| Unverifiable Information | 2 | $120,000 | $60,000 | $75,000 | $600,000 | $1,146,000 |
| Other | 1 | $575,000 | $575,000 | $575,000 | $165,000 | $165,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cbi Bank & Trust's 2024 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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