Cibc Bank Usa
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Cibc Bank Usa 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Cibc Bank Usa 120 South Lasalle Chicago, IL 60603 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 2,671 |
| Total Mortgage Loan Application Amount | $859,492,000 |
| Average Mortgage Loan Application Amount | $289,000 |
| Highest Mortgage Loan Application Amount | $30,000,000 |
| Average Applicant Income | $154,666 |
| Highest Applicant Income | $8,363,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Cibc Bank Usa. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Cibc Bank Usa's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Cibc Bank Usa's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Cibc Bank Usa serves its applicants.
Each category highlights the total number of mortgage applications processed by Cibc Bank Usa, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Cibc Bank Usa's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook County Illinois | 1,011 | $ 310,721,000 | $ 307,000 | $ 181,000 |
| St. Louis County Missouri | 301 | $ 74,326,000 | $ 246,000 | $ 154,000 |
| Oakland County Michigan | 238 | $ 64,074,000 | $ 269,000 | $ 181,000 |
| DuPage County Illinois | 159 | $ 59,503,000 | $ 374,000 | $ 196,000 |
| Lake County Illinois | 136 | $ 45,042,000 | $ 331,000 | $ 185,000 |
| Will County Illinois | 116 | $ 21,993,000 | $ 189,000 | $ 93,000 |
| Kane County Illinois | 65 | $ 13,981,000 | $ 215,000 | $ 114,000 |
| St. Charles County Missouri | 37 | $ 7,162,000 | $ 193,000 | $ 110,000 |
| Macomb County Michigan | 33 | $ 4,414,000 | $ 133,000 | $ 70,000 |
| Wayne County Michigan | 33 | $ 7,672,000 | $ 232,000 | $ 147,000 |
| St. Louis City County Missouri | 32 | $ 6,394,000 | $ 199,000 | $ 107,000 |
| Milwaukee County Wisconsin | 26 | $ 9,680,000 | $ 372,000 | $ 189,000 |
| Waukesha County Wisconsin | 24 | $ 8,681,000 | $ 361,000 | $ 237,000 |
| Maricopa County Arizona | 13 | $ 6,125,000 | $ 471,000 | $ 442,000 |
| Fulton County Georgia | 13 | $ 3,319,000 | $ 255,000 | $ 117,000 |
| McHenry County Illinois | 13 | $ 3,549,000 | $ 273,000 | $ 260,000 |
| Walworth County Wisconsin | 12 | $ 3,153,000 | $ 262,000 | $ 337,000 |
| Cobb County Georgia | 11 | $ 5,677,000 | $ 516,000 | $ 41,000 |
| St. Clair County Illinois | 11 | $ 1,893,000 | $ 172,000 | $ 158,000 |
| Ozaukee County Wisconsin | 11 | $ 4,067,000 | $ 369,000 | $ 369,000 |
| Berrien County Michigan | 10 | $ 3,664,000 | $ 366,000 | $ 208,000 |
| Jefferson County Missouri | 10 | $ 1,765,000 | $ 176,000 | $ 87,000 |
| Bexar County Texas | 10 | $ 2,804,000 | $ 280,000 | $ 148,000 |
| Washtenaw County Michigan | 9 | $ 2,381,000 | $ 264,000 | $ 138,000 |
| Collier County Florida | 7 | $ 2,237,000 | $ 319,000 | $ 461,000 |
| Gwinnett County Georgia | 7 | $ 725,000 | $ 103,000 | $ 41,000 |
| Lake County Indiana | 7 | $ 1,804,000 | $ 257,000 | $ 100,000 |
| LaPorte County Indiana | 7 | $ 2,011,000 | $ 287,000 | $ 247,000 |
| Emmet County Michigan | 7 | $ 1,923,000 | $ 274,000 | $ 376,000 |
| Livingston County Michigan | 7 | $ 1,884,000 | $ 269,000 | $ 141,000 |
| Los Angeles County California | 6 | $ 1,745,000 | $ 290,000 | $ 168,000 |
| DeKalb County Georgia | 6 | $ 24,231,000 | $ 4,038,000 | $ 90,000 |
| Kendall County Illinois | 6 | $ 1,074,000 | $ 179,000 | $ 66,000 |
| Jackson County Missouri | 6 | $ 1,160,000 | $ 193,000 | $ 221,000 |
| Kenosha County Wisconsin | 6 | $ 989,000 | $ 164,000 | $ 123,000 |
| Broward County Florida | 5 | $ 2,631,000 | $ 526,000 | $ 445,000 |
| Grundy County Illinois | 5 | $ 850,000 | $ 170,000 | $ 90,000 |
| Johnson County Kansas | 5 | $ 1,628,000 | $ 325,000 | $ 303,000 |
| Douglas County Colorado | 4 | $ 1,352,000 | $ 338,000 | $ 55,000 |
| Lee County Florida | 4 | $ 1,227,000 | $ 306,000 | $ 380,000 |
| Monroe County Illinois | 4 | $ 1,402,000 | $ 350,000 | $ 145,000 |
| Cass County Michigan | 4 | $ 1,024,000 | $ 256,000 | $ 214,000 |
| Platte County Missouri | 4 | $ 1,259,000 | $ 314,000 | $ 271,000 |
| Kendall County Texas | 4 | $ 981,000 | $ 245,000 | $ 128,000 |
| Alameda County California | 3 | $ 1,301,000 | $ 433,000 | $ 147,000 |
| Orange County California | 3 | $ 6,043,000 | $ 2,014,000 | $ 506,000 |
| Palm Beach County Florida | 3 | $ 895,000 | $ 298,000 | $ 156,000 |
| Cherokee County Georgia | 3 | $ 511,000 | $ 170,000 | $ 395,000 |
| Tazewell County Illinois | 3 | $ 683,000 | $ 227,000 | $ 101,000 |
| Allegan County Michigan | 3 | $ 929,000 | $ 309,000 | $ 423,000 |
| Charlevoix County Michigan | 3 | $ 508,000 | $ 169,000 | $ 90,000 |
| Kent County Michigan | 3 | $ 540,000 | $ 180,000 | $ 254,000 |
| Hennepin County Minnesota | 3 | $ 775,000 | $ 258,000 | $ 64,000 |
| Camden County Missouri | 3 | $ 1,622,000 | $ 540,000 | $ 373,000 |
| Warren County Missouri | 3 | $ 611,000 | $ 203,000 | $ 230,000 |
| Cuyahoga County Ohio | 3 | $ 646,000 | $ 215,000 | $ 26,000 |
| Clark County Washington | 3 | $ 1,115,000 | $ 371,000 | $ 240,000 |
| King County Washington | 3 | $ 794,000 | $ 264,000 | $ 168,000 |
| Door County Wisconsin | 3 | $ 608,000 | $ 202,000 | $ 354,000 |
| Pima County Arizona | 2 | $ 1,872,000 | $ 936,000 | $ 313,000 |
| Pulaski County Arkansas | 2 | $ 6,970,000 | $ 3,485,000 | $ 138,000 |
| Riverside County California | 2 | $ 647,000 | $ 323,000 | $ 206,000 |
| San Diego County California | 2 | $ 1,693,000 | $ 846,000 | $ 310,000 |
| San Francisco County California | 2 | $ 1,004,000 | $ 502,000 | $ 180,000 |
| Boulder County Colorado | 2 | $ 512,000 | $ 256,000 | $ 295,000 |
| Denver County Colorado | 2 | $ 448,000 | $ 224,000 | $ 132,000 |
| Eagle County Colorado | 2 | $ 880,000 | $ 440,000 | $ 533,000 |
| Fairfield County Connecticut | 2 | $ 756,000 | $ 378,000 | $ 169,000 |
| Miami-Dade County Florida | 2 | $ 1,500,000 | $ 750,000 | $ 1,615,000 |
| Nassau County Florida | 2 | $ 504,000 | $ 252,000 | $ 188,000 |
| Okaloosa County Florida | 2 | $ 921,000 | $ 460,000 | $ 249,000 |
| Orange County Florida | 2 | $ 32,500,000 | $ 16,250,000 | $ 631,000 |
| DeKalb County Illinois | 2 | $ 106,000 | $ 53,000 | $ 100,000 |
| Madison County Illinois | 2 | $ 322,000 | $ 161,000 | $ 64,000 |
| Porter County Indiana | 2 | $ 970,000 | $ 485,000 | $ 1,399,000 |
| Dallas County Iowa | 2 | $ 387,000 | $ 193,000 | $ 0 |
| Genesee County Michigan | 2 | $ 518,000 | $ 259,000 | $ 200,000 |
| Roscommon County Michigan | 2 | $ 202,000 | $ 101,000 | $ 97,000 |
| St. Joseph County Michigan | 2 | $ 376,000 | $ 188,000 | $ 197,000 |
| New York County New York | 2 | $ 10,417,000 | $ 5,208,000 | $ 1,762,000 |
| Wake County North Carolina | 2 | $ 624,000 | $ 312,000 | $ 119,000 |
| Franklin County Ohio | 2 | $ 279,000 | $ 139,000 | $ 300,000 |
| Allegheny County Pennsylvania | 2 | $ 717,000 | $ 358,000 | $ 140,000 |
| Montgomery County Pennsylvania | 2 | $ 822,000 | $ 411,000 | $ 372,000 |
| Anderson County South Carolina | 2 | $ 482,000 | $ 241,000 | $ 75,000 |
| Greenville County South Carolina | 2 | $ 2,650,000 | $ 1,325,000 | $ 85,000 |
| Davidson County Tennessee | 2 | $ 573,000 | $ 286,000 | $ 145,000 |
| Montgomery County Texas | 2 | $ 816,000 | $ 408,000 | $ 347,000 |
| Baldwin County Alabama | 1 | $ 363,000 | $ 363,000 | $ 136,000 |
| Jefferson County Alabama | 1 | $ 417,000 | $ 417,000 | $ 6,231,000 |
| Pinal County Arizona | 1 | $ 317,000 | $ 317,000 | $ 200,000 |
| Washington County Arkansas | 1 | $ 377,000 | $ 377,000 | $ 292,000 |
| Butte County California | 1 | $ 416,000 | $ 416,000 | $ 149,000 |
| Contra Costa County California | 1 | $ 237,000 | $ 237,000 | $ 158,000 |
| Marin County California | 1 | $ 320,000 | $ 320,000 | $ 255,000 |
| Placer County California | 1 | $ 247,000 | $ 247,000 | $ 85,000 |
| Sacramento County California | 1 | $ 6,750,000 | $ 6,750,000 | $ 0 |
| San Bernardino County California | 1 | $ 246,000 | $ 246,000 | $ 387,000 |
| San Mateo County California | 1 | $ 408,000 | $ 408,000 | $ 235,000 |
| Santa Barbara County California | 1 | $ 395,000 | $ 395,000 | $ 107,000 |
| Arapahoe County Colorado | 1 | $ 1,120,000 | $ 1,120,000 | $ 417,000 |
| La Plata County Colorado | 1 | $ 185,000 | $ 185,000 | $ 37,000 |
| Summit County Colorado | 1 | $ 255,000 | $ 255,000 | $ 481,000 |
| District of Columbia County District Of Columbia | 1 | $ 417,000 | $ 417,000 | $ 170,000 |
| Alachua County Florida | 1 | $ 272,000 | $ 272,000 | $ 382,000 |
| Charlotte County Florida | 1 | $ 300,000 | $ 300,000 | $ 645,000 |
| Indian River County Florida | 1 | $ 133,000 | $ 133,000 | $ 211,000 |
| Manatee County Florida | 1 | $ 720,000 | $ 720,000 | $ 0 |
| Osceola County Florida | 1 | $ 193,000 | $ 193,000 | $ 229,000 |
| Walton County Florida | 1 | $ 225,000 | $ 225,000 | $ 1,077,000 |
| Chatham County Georgia | 1 | $ 340,000 | $ 340,000 | $ 268,000 |
| Carroll County Illinois | 1 | $ 394,000 | $ 394,000 | $ 441,000 |
| Clinton County Illinois | 1 | $ 376,000 | $ 376,000 | $ 142,000 |
| Jo Daviess County Illinois | 1 | $ 163,000 | $ 163,000 | $ 172,000 |
| Kankakee County Illinois | 1 | $ 281,000 | $ 281,000 | $ 208,000 |
| LaSalle County Illinois | 1 | $ 183,000 | $ 183,000 | $ 1,862,000 |
| Macon County Illinois | 1 | $ 26,000 | $ 26,000 | $ 106,000 |
| Marshall County Illinois | 1 | $ 250,000 | $ 250,000 | $ 229,000 |
| Peoria County Illinois | 1 | $ 267,000 | $ 267,000 | $ 168,000 |
| Winnebago County Illinois | 1 | $ 169,000 | $ 169,000 | $ 359,000 |
| Hamilton County Indiana | 1 | $ 350,000 | $ 350,000 | $ 150,000 |
| Hendricks County Indiana | 1 | $ 309,000 | $ 309,000 | $ 158,000 |
| Jasper County Indiana | 1 | $ 157,000 | $ 157,000 | $ 73,000 |
| Vigo County Indiana | 1 | $ 320,000 | $ 320,000 | $ 393,000 |
| White County Indiana | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Polk County Iowa | 1 | $ 400,000 | $ 400,000 | $ 197,000 |
| Story County Iowa | 1 | $ 98,000 | $ 98,000 | $ 138,000 |
| Jefferson County Kentucky | 1 | $ 169,000 | $ 169,000 | $ 172,000 |
| Lyon County Kentucky | 1 | $ 417,000 | $ 417,000 | $ 230,000 |
| Cumberland County Maine | 1 | $ 323,000 | $ 323,000 | $ 200,000 |
| Waldo County Maine | 1 | $ 165,000 | $ 165,000 | $ 96,000 |
| Montgomery County Maryland | 1 | $ 600,000 | $ 600,000 | $ 211,000 |
| Dukes County Massachusetts | 1 | $ 1,500,000 | $ 1,500,000 | $ 1,491,000 |
| Suffolk County Massachusetts | 1 | $ 415,000 | $ 415,000 | $ 131,000 |
| Antrim County Michigan | 1 | $ 417,000 | $ 417,000 | $ 239,000 |
| Cheboygan County Michigan | 1 | $ 280,000 | $ 280,000 | $ 725,000 |
| Gladwin County Michigan | 1 | $ 217,000 | $ 217,000 | $ 265,000 |
| Gogebic County Michigan | 1 | $ 176,000 | $ 176,000 | $ 332,000 |
| Huron County Michigan | 1 | $ 188,000 | $ 188,000 | $ 202,000 |
| Ingham County Michigan | 1 | $ 185,000 | $ 185,000 | $ 89,000 |
| Iron County Michigan | 1 | $ 225,000 | $ 225,000 | $ 63,000 |
| Jackson County Michigan | 1 | $ 148,000 | $ 148,000 | $ 100,000 |
| Lapeer County Michigan | 1 | $ 170,000 | $ 170,000 | $ 101,000 |
| Muskegon County Michigan | 1 | $ 357,000 | $ 357,000 | $ 433,000 |
| Oceana County Michigan | 1 | $ 198,000 | $ 198,000 | $ 500,000 |
| Otsego County Michigan | 1 | $ 76,000 | $ 76,000 | $ 226,000 |
| Ottawa County Michigan | 1 | $ 375,000 | $ 375,000 | $ 257,000 |
| Saginaw County Michigan | 1 | $ 258,000 | $ 258,000 | $ 211,000 |
| Sanilac County Michigan | 1 | $ 240,000 | $ 240,000 | $ 153,000 |
| Carver County Minnesota | 1 | $ 262,000 | $ 262,000 | $ 105,000 |
| St. Louis County Minnesota | 1 | $ 375,000 | $ 375,000 | $ 259,000 |
| Boone County Missouri | 1 | $ 384,000 | $ 384,000 | $ 406,000 |
| Clay County Missouri | 1 | $ 127,000 | $ 127,000 | $ 215,000 |
| Franklin County Missouri | 1 | $ 388,000 | $ 388,000 | $ 184,000 |
| Greene County Missouri | 1 | $ 301,000 | $ 301,000 | $ 280,000 |
| Lincoln County Missouri | 1 | $ 150,000 | $ 150,000 | $ 167,000 |
| Miller County Missouri | 1 | $ 250,000 | $ 250,000 | $ 295,000 |
| Phelps County Missouri | 1 | $ 106,000 | $ 106,000 | $ 69,000 |
| Gallatin County Montana | 1 | $ 285,000 | $ 285,000 | $ 475,000 |
| Park County Montana | 1 | $ 286,000 | $ 286,000 | $ 311,000 |
| Essex County New Jersey | 1 | $ 563,000 | $ 563,000 | $ 251,000 |
| Monmouth County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 171,000 |
| Morris County New Jersey | 1 | $ 488,000 | $ 488,000 | $ 321,000 |
| Passaic County New Jersey | 1 | $ 248,000 | $ 248,000 | $ 163,000 |
| Bernalillo County New Mexico | 1 | $ 1,275,000 | $ 1,275,000 | $ 1,211,000 |
| Santa Fe County New Mexico | 1 | $ 400,000 | $ 400,000 | $ 78,000 |
| Seneca County New York | 1 | $ 90,000 | $ 90,000 | $ 26,000 |
| Westchester County New York | 1 | $ 290,000 | $ 290,000 | $ 360,000 |
| Chatham County North Carolina | 1 | $ 313,000 | $ 313,000 | $ 130,000 |
| Craven County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 182,000 |
| Forsyth County North Carolina | 1 | $ 340,000 | $ 340,000 | $ 329,000 |
| Mecklenburg County North Carolina | 1 | $ 340,000 | $ 340,000 | $ 237,000 |
| Moore County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 224,000 |
| Person County North Carolina | 1 | $ 370,000 | $ 370,000 | $ 329,000 |
| Union County North Carolina | 1 | $ 765,000 | $ 765,000 | $ 227,000 |
| Wood County Ohio | 1 | $ 223,000 | $ 223,000 | $ 92,000 |
| Tillamook County Oregon | 1 | $ 345,000 | $ 345,000 | $ 196,000 |
| Aiken County South Carolina | 1 | $ 340,000 | $ 340,000 | $ 161,000 |
| Charleston County South Carolina | 1 | $ 744,000 | $ 744,000 | $ 1,656,000 |
| Oconee County South Carolina | 1 | $ 293,000 | $ 293,000 | $ 92,000 |
| Richland County South Carolina | 1 | $ 182,000 | $ 182,000 | $ 162,000 |
| Greene County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 165,000 |
| Hamilton County Tennessee | 1 | $ 180,000 | $ 180,000 | $ 59,000 |
| Shelby County Tennessee | 1 | $ 190,000 | $ 190,000 | $ 230,000 |
| Sumner County Tennessee | 1 | $ 2,000,000 | $ 2,000,000 | $ 1,082,000 |
| Bell County Texas | 1 | $ 120,000 | $ 120,000 | $ 30,000 |
| Comal County Texas | 1 | $ 102,000 | $ 102,000 | $ 106,000 |
| Harris County Texas | 1 | $ 303,000 | $ 303,000 | $ 216,000 |
| Hidalgo County Texas | 1 | $ 124,000 | $ 124,000 | $ 173,000 |
| Travis County Texas | 1 | $ 349,000 | $ 349,000 | $ 213,000 |
| Summit County Utah | 1 | $ 1,290,000 | $ 1,290,000 | $ 550,000 |
| Washington County Utah | 1 | $ 400,000 | $ 400,000 | $ 131,000 |
| Chittenden County Vermont | 1 | $ 300,000 | $ 300,000 | $ 120,000 |
| Alexandria County Virginia | 1 | $ 417,000 | $ 417,000 | $ 390,000 |
| Chesapeake County Virginia | 1 | $ 284,000 | $ 284,000 | $ 92,000 |
| Fairfax County Virginia | 1 | $ 417,000 | $ 417,000 | $ 223,000 |
| Fredericksburg County Virginia | 1 | $ 185,000 | $ 185,000 | $ 600,000 |
| Pierce County Washington | 1 | $ 405,000 | $ 405,000 | $ 261,000 |
| Crawford County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Dane County Wisconsin | 1 | $ 164,000 | $ 164,000 | $ 33,000 |
| Lafayette County Wisconsin | 1 | $ 244,000 | $ 244,000 | $ 317,000 |
| Manitowoc County Wisconsin | 1 | $ 232,000 | $ 232,000 | $ 372,000 |
| Marathon County Wisconsin | 1 | $ 400,000 | $ 400,000 | $ 232,000 |
| Marquette County Wisconsin | 1 | $ 130,000 | $ 130,000 | $ 295,000 |
| Oneida County Wisconsin | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
| Portage County Wisconsin | 1 | $ 184,000 | $ 184,000 | $ 121,000 |
| Racine County Wisconsin | 1 | $ 208,000 | $ 208,000 | $ 129,000 |
| Rock County Wisconsin | 1 | $ 405,000 | $ 405,000 | $ 558,000 |
| Waupaca County Wisconsin | 1 | $ 142,000 | $ 142,000 | $ 32,000 |
| Teton County Wyoming | 1 | $ 296,000 | $ 296,000 | $ 408,000 |
Mortgage Loan Application Detail Totals for Cibc Bank Usa in 2012
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 | 1,938 | $575,039,000 | $296,000 | $10,000,000 | $189,000 | $8,363,000 |
| Home Purchase | 670 | $274,203,000 | $409,000 | $30,000,000 | $179,000 | $6,231,000 |
| Home Improvement | 63 | $10,250,000 | $162,000 | $975,000 | $96,000 | $647,000 |
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 | 2,180 | $636,428,000 | $291,000 | $10,000,000 | $191,000 | $8,363,000 |
| Not Provided | 258 | $84,167,000 | $326,000 | $7,000,000 | $210,000 | $3,310,000 |
| Hispanic | 97 | $16,540,000 | $170,000 | $1,450,000 | $124,000 | $2,360,000 |
| Black or African American | 54 | $5,957,000 | $110,000 | $366,000 | $70,000 | $794,000 |
| Asian | 52 | $10,957,000 | $210,000 | $417,000 | $121,000 | $432,000 |
| Not applicable | 24 | $103,079,000 | $4,294,000 | $30,000,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,669,000 | $333,000 | $417,000 | $119,000 | $185,000 |
| American Indian or Alaskan Native | 1 | $695,000 | $695,000 | $695,000 | $350,000 | $350,000 |
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) | 2,597 | $847,683,000 | $326,000 | $30,000,000 | $188,000 | $8,363,000 |
| FHA-insured (Federal Housing Administration) | 73 | $11,648,000 | $159,000 | $2,100,000 | $69,000 | $1,200,000 |
| VA-guaranteed (Veterans Administration) | 1 | $161,000 | $161,000 | $161,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,851 | $661,962,000 | $357,000 | $30,000,000 | $200,000 | $8,363,000 |
| Loan Purchased By The Institution | 375 | $50,861,000 | $135,000 | $415,000 | $64,000 | $794,000 |
| Application Denied By Financial Institution | 234 | $70,240,000 | $300,000 | $2,940,000 | $162,000 | $1,263,000 |
| Application Withdrawn By Applicant | 193 | $72,016,000 | $373,000 | $2,465,000 | $303,000 | $6,231,000 |
| Application Approved But Not Accepted | 10 | $3,117,000 | $311,000 | $850,000 | $207,000 | $1,124,000 |
| File Closed For Incompleteness | 7 | $1,253,000 | $179,000 | $284,000 | $132,000 | $385,000 |
| Preapproval Denied by Financial Institution | 1 | $43,000 | $43,000 | $43,000 | $28,000 | $28,000 |
| 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 | 133 | $44,353,000 | $333,000 | $2,500,000 | $207,000 | $1,263,000 |
| Debt-To-Income Ratio | 40 | $10,525,000 | $263,000 | $895,000 | $73,000 | $389,000 |
| Credit History | 27 | $3,818,000 | $141,000 | $417,000 | $113,000 | $943,000 |
| Other | 15 | $2,911,000 | $194,000 | $417,000 | $119,000 | $300,000 |
| Employment History | 9 | $5,471,000 | $607,000 | $2,940,000 | $143,000 | $480,000 |
| Unverifiable Information | 7 | $2,205,000 | $315,000 | $683,000 | $122,000 | $200,000 |
| Credit Application Incomplete | 2 | $676,000 | $338,000 | $417,000 | $206,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $324,000 | $162,000 | $168,000 | $81,000 | $117,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cibc Bank Usa's 2012 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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