CIBC Bank USA Mortgage Lending & HMDA Data, 2011
In 2011, CIBC Bank USA of Chicago, IL reported 1,452 mortgage applications totaling $469.3 million. The average application was for $323,189, and applicants reported an average income of $206,185. 77% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (667), St. Louis, MO-IL (330) and Warren-Troy-Farmington Hills, MI (154) (applications in parentheses).
| Mortgage Company & Address | CIBC Bank USA 120 South Lasalle Chicago, IL 60602 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,452 |
| Total Mortgage Loan Application Amount | $469,271,000 |
| Average Mortgage Loan Application Amount | $323,189 |
| Highest Mortgage Loan Application Amount | $16,400,000 |
| Average Applicant Income | $206,185 |
| Highest Applicant Income | $7,530,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records CIBC Bank USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 477 | $ 176,753,000 | $ 370,551 | $ 199,000 |
| St. Louis, Missouri | 227 | $ 62,700,000 | $ 276,211 | $ 207,000 |
| Oakland, Michigan | 137 | $ 34,020,000 | $ 248,321 | $ 199,000 |
| Will, Illinois | 81 | $ 16,172,000 | $ 199,654 | $ 96,000 |
| DuPage, Illinois | 69 | $ 30,693,000 | $ 444,826 | $ 239,000 |
| St. Louis City, Missouri | 43 | $ 8,862,000 | $ 206,093 | $ 147,000 |
| Lake, Illinois | 33 | $ 21,200,000 | $ 642,424 | $ 418,000 |
| St. Charles, Missouri | 31 | $ 5,657,000 | $ 182,483 | $ 94,000 |
| Kane, Illinois | 28 | $ 6,319,000 | $ 225,678 | $ 177,000 |
| Wayne, Michigan | 20 | $ 4,169,000 | $ 208,450 | $ 188,000 |
| Macomb, Michigan | 16 | $ 2,498,000 | $ 156,125 | $ 80,000 |
| Milwaukee, Wisconsin | 16 | $ 3,617,000 | $ 226,062 | $ 265,000 |
| St. Clair, Illinois | 10 | $ 2,173,000 | $ 217,300 | $ 129,000 |
| Cobb, Georgia | 8 | $ 2,612,000 | $ 326,500 | $ 304,000 |
| LaPorte, Indiana | 8 | $ 2,049,000 | $ 256,125 | $ 376,000 |
| Waukesha, Wisconsin | 8 | $ 2,291,000 | $ 286,375 | $ 305,000 |
| San Diego, California | 6 | $ 2,202,000 | $ 367,000 | $ 476,000 |
| Collier, Florida | 6 | $ 1,688,000 | $ 281,333 | $ 328,000 |
| Grundy, Illinois | 6 | $ 943,000 | $ 157,166 | $ 83,000 |
| Washtenaw, Michigan | 6 | $ 1,276,000 | $ 212,666 | $ 185,000 |
| Jackson, Missouri | 6 | $ 1,299,000 | $ 216,500 | $ 142,000 |
| Jefferson, Missouri | 6 | $ 792,000 | $ 132,000 | $ 63,000 |
| Ozaukee, Wisconsin | 6 | $ 2,203,000 | $ 367,166 | $ 470,000 |
| Lee, Florida | 5 | $ 1,384,000 | $ 276,800 | $ 449,000 |
| Palm Beach, Florida | 5 | $ 1,223,000 | $ 244,600 | $ 130,000 |
| Lake, Indiana | 5 | $ 2,690,000 | $ 538,000 | $ 371,000 |
| Johnson, Kansas | 5 | $ 1,444,000 | $ 288,800 | $ 168,000 |
| Madison, Illinois | 4 | $ 691,000 | $ 172,750 | $ 138,000 |
| Berrien, Michigan | 4 | $ 1,058,000 | $ 264,500 | $ 65,000 |
| Van Buren, Michigan | 4 | $ 827,000 | $ 206,750 | $ 162,000 |
| Walworth, Wisconsin | 4 | $ 3,850,000 | $ 962,500 | $ 467,000 |
| Maricopa, Arizona | 3 | $ 975,000 | $ 325,000 | $ 205,000 |
| Eagle, Colorado | 3 | $ 1,580,000 | $ 526,666 | $ 708,000 |
| Miami-Dade, Florida | 3 | $ 560,000 | $ 186,666 | $ 423,000 |
| Pinellas, Florida | 3 | $ 1,119,000 | $ 373,000 | $ 523,000 |
| DeKalb, Georgia | 3 | $ 527,000 | $ 175,666 | $ 58,000 |
| Kendall, Illinois | 3 | $ 618,000 | $ 206,000 | $ 76,000 |
| McHenry, Illinois | 3 | $ 483,000 | $ 161,000 | $ 81,000 |
| Camden, Missouri | 3 | $ 448,000 | $ 149,333 | $ 211,000 |
| Franklin, Missouri | 3 | $ 986,000 | $ 328,666 | $ 220,000 |
| Platte, Missouri | 3 | $ 692,000 | $ 230,666 | $ 250,000 |
| Los Angeles, California | 2 | $ 1,773,000 | $ 886,500 | $ 641,000 |
| Santa Clara, California | 2 | $ 945,000 | $ 472,500 | $ 173,000 |
| Boulder, Colorado | 2 | $ 640,000 | $ 320,000 | $ 102,000 |
| Routt, Colorado | 2 | $ 2,190,000 | $ 1,095,000 | $ 757,000 |
| Summit, Colorado | 2 | $ 1,097,000 | $ 548,500 | $ 374,000 |
| Brevard, Florida | 2 | $ 215,000 | $ 107,500 | $ 159,000 |
| Okaloosa, Florida | 2 | $ 546,000 | $ 273,000 | $ 188,000 |
| Fulton, Georgia | 2 | $ 498,000 | $ 249,000 | $ 44,000 |
| Kankakee, Illinois | 2 | $ 176,000 | $ 88,000 | $ 50,000 |
| Macon, Illinois | 2 | $ 171,000 | $ 85,500 | $ 91,000 |
| Monroe, Illinois | 2 | $ 546,000 | $ 273,000 | $ 107,000 |
| Kosciusko, Indiana | 2 | $ 170,000 | $ 85,000 | $ 39,000 |
| Porter, Indiana | 2 | $ 565,000 | $ 282,500 | $ 91,000 |
| Polk, Iowa | 2 | $ 442,000 | $ 221,000 | $ 94,000 |
| Kalkaska, Michigan | 2 | $ 351,000 | $ 175,500 | $ 265,000 |
| Manistee, Michigan | 2 | $ 367,000 | $ 183,500 | $ 243,000 |
| Cole, Missouri | 2 | $ 192,000 | $ 96,000 | $ 89,000 |
| Warren, Missouri | 2 | $ 235,000 | $ 117,500 | $ 223,000 |
| Wake, North Carolina | 2 | $ 334,000 | $ 167,000 | $ 59,000 |
| Oklahoma, Oklahoma | 2 | $ 475,000 | $ 237,500 | $ 99,000 |
| Harris, Texas | 2 | $ 362,000 | $ 181,000 | $ 171,000 |
| Alexandria, Virginia | 2 | $ 983,000 | $ 491,500 | $ 207,000 |
| Clark, Washington | 2 | $ 624,000 | $ 312,000 | $ 230,000 |
| King, Washington | 2 | $ 931,000 | $ 465,500 | $ 322,000 |
| Dane, Wisconsin | 2 | $ 778,000 | $ 389,000 | $ 65,000 |
| Door, Wisconsin | 2 | $ 420,000 | $ 210,000 | $ 512,000 |
| Vilas, Wisconsin | 2 | $ 643,000 | $ 321,500 | $ 484,000 |
| Washington, Wisconsin | 2 | $ 350,000 | $ 175,000 | $ 194,000 |
| Pima, Arizona | 1 | $ 271,000 | $ 271,000 | $ 126,000 |
| Pulaski, Arkansas | 1 | $ 275,000 | $ 275,000 | $ 270,000 |
| Washington, Arkansas | 1 | $ 389,000 | $ 389,000 | $ 292,000 |
| Alameda, California | 1 | $ 317,000 | $ 317,000 | $ 94,000 |
| Contra Costa, California | 1 | $ 410,000 | $ 410,000 | $ 106,000 |
| Fresno, California | 1 | $ 287,000 | $ 287,000 | $ 122,000 |
| Monterey, California | 1 | $ 481,000 | $ 481,000 | $ 1,000,000 |
| Orange, California | 1 | $ 382,000 | $ 382,000 | $ 568,000 |
| San Bernardino, California | 1 | $ 387,000 | $ 387,000 | $ 399,000 |
| Denver, Colorado | 1 | $ 146,000 | $ 146,000 | $ 122,000 |
| La Plata, Colorado | 1 | $ 187,000 | $ 187,000 | $ 37,000 |
| Broward, Florida | 1 | $ 165,000 | $ 165,000 | $ 550,000 |
| Hillsborough, Florida | 1 | $ 207,000 | $ 207,000 | $ 247,000 |
| Polk, Florida | 1 | $ 95,000 | $ 95,000 | $ 305,000 |
| St. Johns, Florida | 1 | $ 210,000 | $ 210,000 | $ 64,000 |
| Baldwin, Georgia | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Cherokee, Georgia | 1 | $ 106,000 | $ 106,000 | $ 51,000 |
| Clayton, Georgia | 1 | $ 4,663,000 | $ 4,663,000 | $ 0 |
| Forsyth, Georgia | 1 | $ 208,000 | $ 208,000 | $ 72,000 |
| Pickens, Georgia | 1 | $ 374,000 | $ 374,000 | $ 129,000 |
| Blaine, Idaho | 1 | $ 349,000 | $ 349,000 | $ 1,189,000 |
| Clinton, Illinois | 1 | $ 382,000 | $ 382,000 | $ 138,000 |
| Pulaski, Illinois | 1 | $ 185,000 | $ 185,000 | $ 205,000 |
| Starke, Indiana | 1 | $ 236,000 | $ 236,000 | $ 71,000 |
| Dallas, Iowa | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Douglas, Kansas | 1 | $ 380,000 | $ 380,000 | $ 300,000 |
| Henderson, Kentucky | 1 | $ 94,000 | $ 94,000 | $ 61,000 |
| Cumberland, Maine | 1 | $ 284,000 | $ 284,000 | $ 72,000 |
| Nantucket, Massachusetts | 1 | $ 550,000 | $ 550,000 | $ 49,000 |
| Alcona, Michigan | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| Barry, Michigan | 1 | $ 74,000 | $ 74,000 | $ 87,000 |
| Branch, Michigan | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Calhoun, Michigan | 1 | $ 103,000 | $ 103,000 | $ 67,000 |
| Charlevoix, Michigan | 1 | $ 408,000 | $ 408,000 | $ 390,000 |
| Chippewa, Michigan | 1 | $ 231,000 | $ 231,000 | $ 261,000 |
| Gladwin, Michigan | 1 | $ 159,000 | $ 159,000 | $ 248,000 |
| Lapeer, Michigan | 1 | $ 131,000 | $ 131,000 | $ 59,000 |
| Midland, Michigan | 1 | $ 417,000 | $ 417,000 | $ 170,000 |
| Ottawa, Michigan | 1 | $ 263,000 | $ 263,000 | $ 108,000 |
| Sanilac, Michigan | 1 | $ 322,000 | $ 322,000 | $ 232,000 |
| Shiawassee, Michigan | 1 | $ 123,000 | $ 123,000 | $ 36,000 |
| St. Louis, Minnesota | 1 | $ 218,000 | $ 218,000 | $ 105,000 |
| Buchanan, Missouri | 1 | $ 6,178,000 | $ 6,178,000 | $ 0 |
| Clay, Missouri | 1 | $ 174,000 | $ 174,000 | $ 76,000 |
| Greene, Missouri | 1 | $ 70,000 | $ 70,000 | $ 214,000 |
| Lincoln, Missouri | 1 | $ 191,000 | $ 191,000 | $ 139,000 |
| Miller, Missouri | 1 | $ 266,000 | $ 266,000 | $ 791,000 |
| Morgan, Missouri | 1 | $ 174,000 | $ 174,000 | $ 139,000 |
| Scott, Missouri | 1 | $ 368,000 | $ 368,000 | $ 77,000 |
| Ste. Genevieve, Missouri | 1 | $ 164,000 | $ 164,000 | $ 297,000 |
| Stone, Missouri | 1 | $ 180,000 | $ 180,000 | $ 375,000 |
| Gallatin, Montana | 1 | $ 96,000 | $ 96,000 | $ 24,000 |
| Rockingham, New Hampshire | 1 | $ 373,000 | $ 373,000 | $ 140,000 |
| Ocean, New Jersey | 1 | $ 361,000 | $ 361,000 | $ 997,000 |
| New York, New York | 1 | $ 6,000,000 | $ 6,000,000 | $ 3,609,000 |
| Suffolk, New York | 1 | $ 212,000 | $ 212,000 | $ 136,000 |
| Buncombe, North Carolina | 1 | $ 97,000 | $ 97,000 | $ 332,000 |
| Dare, North Carolina | 1 | $ 799,000 | $ 799,000 | $ 443,000 |
| Delaware, Ohio | 1 | $ 400,000 | $ 400,000 | $ 385,000 |
| Franklin, Ohio | 1 | $ 80,000 | $ 80,000 | $ 32,000 |
| Licking, Ohio | 1 | $ 147,000 | $ 147,000 | $ 685,000 |
| Montgomery, Ohio | 1 | $ 400,000 | $ 400,000 | $ 264,000 |
| Deschutes, Oregon | 1 | $ 417,000 | $ 417,000 | $ 397,000 |
| Anderson, South Carolina | 1 | $ 300,000 | $ 300,000 | $ 72,000 |
| Beaufort, South Carolina | 1 | $ 347,000 | $ 347,000 | $ 157,000 |
| Greenville, South Carolina | 1 | $ 417,000 | $ 417,000 | $ 127,000 |
| Oconee, South Carolina | 1 | $ 334,000 | $ 334,000 | $ 206,000 |
| Bexar, Texas | 1 | $ 272,000 | $ 272,000 | $ 112,000 |
| Summit, Utah | 1 | $ 280,000 | $ 280,000 | $ 126,000 |
| Calumet, Wisconsin | 1 | $ 156,000 | $ 156,000 | $ 50,000 |
| Manitowoc, Wisconsin | 1 | $ 311,000 | $ 311,000 | $ 397,000 |
| Marathon, Wisconsin | 1 | $ 403,000 | $ 403,000 | $ 372,000 |
| Sawyer, Wisconsin | 1 | $ 545,000 | $ 545,000 | $ 304,000 |
| Winnebago, Wisconsin | 1 | $ 384,000 | $ 384,000 | $ 0 |
Mortgage Loan Application Detail Totals for CIBC Bank USA in 2011
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,064 | $351,813,000 | $330,000 | $16,400,000 | $206,000 | $7,530,000 |
| Home Purchase | 354 | $102,099,000 | $288,000 | $4,663,000 | $201,000 | $1,788,000 |
| Home Improvement | 34 | $15,359,000 | $451,000 | $6,000,000 | $266,000 | $3,609,000 |
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 | 1,259 | $350,953,000 | $278,000 | $6,000,000 | $205,000 | $3,672,000 |
| Not Provided | 103 | $30,456,000 | $295,000 | $1,195,000 | $299,000 | $7,530,000 |
| Hispanic | 32 | $6,670,000 | $208,000 | $417,000 | $148,000 | $591,000 |
| Asian | 27 | $6,992,000 | $258,000 | $795,000 | $166,000 | $527,000 |
| Not applicable | 17 | $71,607,000 | $4,212,000 | $16,400,000 | $0 | $0 |
| Black or African American | 11 | $1,572,000 | $142,000 | $417,000 | $115,000 | $392,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $604,000 | $302,000 | $407,000 | $200,000 | $309,000 |
| American Indian or Alaskan Native | 1 | $417,000 | $417,000 | $417,000 | $155,000 | $155,000 |
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) | 1,444 | $468,060,000 | $324,000 | $16,400,000 | $207,000 | $7,530,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,211,000 | $151,000 | $400,000 | $54,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,117 | $384,040,000 | $343,000 | $16,400,000 | $217,000 | $7,530,000 |
| Application Withdrawn By Applicant | 129 | $39,845,000 | $308,000 | $1,794,000 | $250,000 | $2,800,000 |
| Application Denied By Financial Institution | 122 | $32,954,000 | $270,000 | $3,390,000 | $152,000 | $1,788,000 |
| Loan Purchased By The Institution | 60 | $7,071,000 | $117,000 | $325,000 | $56,000 | $178,000 |
| Application Approved But Not Accepted | 19 | $4,499,000 | $236,000 | $417,000 | $141,000 | $591,000 |
| File Closed For Incompleteness | 3 | $697,000 | $232,000 | $353,000 | $111,000 | $175,000 |
| Preapproval Denied by Financial Institution | 2 | $165,000 | $82,000 | $97,000 | $52,000 | $66,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 59 | $14,705,000 | $249,000 | $790,000 | $176,000 | $1,788,000 |
| Credit History | 19 | $7,527,000 | $396,000 | $3,390,000 | $138,000 | $1,052,000 |
| Debt-To-Income Ratio | 19 | $4,106,000 | $216,000 | $417,000 | $107,000 | $683,000 |
| Other | 14 | $2,503,000 | $178,000 | $337,000 | $143,000 | $581,000 |
| Unverifiable Information | 5 | $1,602,000 | $320,000 | $417,000 | $67,000 | $159,000 |
| Employment History | 2 | $397,000 | $198,000 | $207,000 | $58,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $529,000 | $264,000 | $417,000 | $192,000 | $307,000 |
| Credit Application Incomplete | 1 | $188,000 | $188,000 | $188,000 | $163,000 | $163,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into CIBC Bank USA's 2011 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 CIBC Bank USA'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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