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Act (HMDA) records Cbi Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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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