CIBC Bank USA Mortgage Lending & HMDA Data, 2013

In 2013, CIBC Bank USA of Chicago, IL reported 2,181 mortgage applications totaling $834.2 million, down 18% from 2012. The average application was for $382,501, and applicants reported an average income of $169,671. 66% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (1,112), St. Louis, MO-IL (307) and Warren-Troy-Farmington Hills, MI (199) (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 2,181
Total Mortgage Loan Application Amount $834,235,000
Average Mortgage Loan Application Amount $382,501
Highest Mortgage Loan Application Amount $43,400,000
Average Applicant Income $169,671
Highest Applicant Income $6,504,000

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Act (HMDA) records CIBC Bank USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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

Mortgage Loan Application Totals for CIBC Bank USA by County in 2013

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 798 $ 262,899,000 $ 329,447 $ 154,000
St. Louis, Missouri 217 $ 52,728,000 $ 242,986 $ 151,000
Oakland, Michigan 151 $ 45,566,000 $ 301,761 $ 155,000
Lake, Illinois 134 $ 47,986,000 $ 358,104 $ 192,000
DuPage, Illinois 123 $ 88,024,000 $ 715,642 $ 161,000
Will, Illinois 85 $ 14,482,000 $ 170,376 $ 100,000
Kane, Illinois 67 $ 14,108,000 $ 210,567 $ 159,000
St. Louis City, Missouri 56 $ 12,082,000 $ 215,750 $ 118,000
Wayne, Michigan 47 $ 14,978,000 $ 318,680 $ 189,000
Macomb, Michigan 43 $ 5,843,000 $ 135,883 $ 82,000
Milwaukee, Wisconsin 34 $ 7,201,000 $ 211,794 $ 169,000
McHenry, Illinois 25 $ 4,792,000 $ 191,680 $ 111,000
St. Charles, Missouri 19 $ 4,353,000 $ 229,105 $ 131,000
Walworth, Wisconsin 16 $ 4,091,000 $ 255,687 $ 328,000
Maricopa, Arizona 13 $ 12,007,000 $ 923,615 $ 260,000
Lake, Indiana 10 $ 1,790,000 $ 179,000 $ 85,000
Los Angeles, California 8 $ 3,813,000 $ 476,625 $ 327,000
Orange, California 8 $ 3,757,000 $ 469,625 $ 153,000
Fulton, Georgia 8 $ 3,795,000 $ 474,375 $ 337,000
Grundy, Illinois 8 $ 512,000 $ 64,000 $ 50,000
Johnson, Kansas 8 $ 1,968,000 $ 246,000 $ 210,000
Ozaukee, Wisconsin 8 $ 2,593,000 $ 324,125 $ 201,000
Waukesha, Wisconsin 8 $ 3,512,000 $ 439,000 $ 143,000
Bexar, Texas 7 $ 1,354,000 $ 193,428 $ 178,000
Collier, Florida 6 $ 2,090,000 $ 348,333 $ 538,000
Kendall, Illinois 6 $ 1,099,000 $ 183,166 $ 64,000
Berrien, Michigan 6 $ 1,895,000 $ 315,833 $ 343,000
Lee, Florida 5 $ 2,608,000 $ 521,600 $ 580,000
Orange, Florida 5 $ 34,306,000 $ 6,861,200 $ 102,000
Sarasota, Florida 5 $ 1,763,000 $ 352,600 $ 375,000
Hennepin, Minnesota 5 $ 1,831,000 $ 366,200 $ 116,000
Camden, Missouri 5 $ 1,541,000 $ 308,200 $ 336,000
Jackson, Missouri 5 $ 1,449,000 $ 289,800 $ 195,000
Jefferson, Missouri 5 $ 972,000 $ 194,400 $ 97,000
Eagle, Colorado 4 $ 4,912,000 $ 1,228,000 $ 1,788,000
Hillsborough, Florida 4 $ 864,000 $ 216,000 $ 198,000
Lapeer, Michigan 4 $ 855,000 $ 213,750 $ 178,000
Franklin, Missouri 4 $ 983,000 $ 245,750 $ 118,000
Clark, Nevada 4 $ 1,547,000 $ 386,750 $ 166,000
Summit, Utah 4 $ 1,572,000 $ 393,000 $ 365,000
Alameda, California 3 $ 1,284,000 $ 428,000 $ 214,000
Fresno, California 3 $ 662,000 $ 220,666 $ 86,000
Pitkin, Colorado 3 $ 8,050,000 $ 2,683,333 $ 403,000
Miami-Dade, Florida 3 $ 2,884,000 $ 961,333 $ 780,000
Okaloosa, Florida 3 $ 1,102,000 $ 367,333 $ 985,000
Palm Beach, Florida 3 $ 703,000 $ 234,333 $ 113,000
Genesee, Michigan 3 $ 586,000 $ 195,333 $ 206,000
Platte, Missouri 3 $ 729,000 $ 243,000 $ 374,000
Davidson, Tennessee 3 $ 452,000 $ 150,666 $ 262,000
Dallas, Texas 3 $ 10,809,000 $ 3,603,000 $ 204,000
Harris, Texas 3 $ 626,000 $ 208,666 $ 336,000
Vilas, Wisconsin 3 $ 702,000 $ 234,000 $ 301,000
Riverside, California 2 $ 617,000 $ 308,500 $ 120,000
San Diego, California 2 $ 791,000 $ 395,500 $ 210,000
Santa Clara, California 2 $ 1,022,000 $ 511,000 $ 154,000
Douglas, Colorado 2 $ 616,000 $ 308,000 $ 176,000
Larimer, Colorado 2 $ 420,000 $ 210,000 $ 45,000
Pueblo, Colorado 2 $ 4,145,000 $ 2,072,500 $ 0
Summit, Colorado 2 $ 383,000 $ 191,500 $ 223,000
District of Columbia, District Of Columbia 2 $ 442,000 $ 221,000 $ 377,000
Bay, Florida 2 $ 320,000 $ 160,000 $ 319,000
Charlotte, Florida 2 $ 537,000 $ 268,500 $ 521,000
Duval, Florida 2 $ 354,000 $ 177,000 $ 102,000
Manatee, Florida 2 $ 9,087,000 $ 4,543,500 $ 36,000
Pinellas, Florida 2 $ 404,000 $ 202,000 $ 266,000
Cobb, Georgia 2 $ 791,000 $ 395,500 $ 496,000
DeKalb, Georgia 2 $ 353,000 $ 176,500 $ 20,000
Carroll, Illinois 2 $ 720,000 $ 360,000 $ 194,000
Monroe, Illinois 2 $ 471,000 $ 235,500 $ 134,000
St. Clair, Illinois 2 $ 360,000 $ 180,000 $ 96,000
LaPorte, Indiana 2 $ 491,000 $ 245,500 $ 314,000
Porter, Indiana 2 $ 443,000 $ 221,500 $ 83,000
Polk, Iowa 2 $ 343,000 $ 171,500 $ 203,000
Leavenworth, Kansas 2 $ 386,000 $ 193,000 $ 105,000
Sedgwick, Kansas 2 $ 400,000 $ 200,000 $ 199,000
Charlevoix, Michigan 2 $ 612,000 $ 306,000 $ 292,000
Houghton, Michigan 2 $ 515,000 $ 257,500 $ 128,000
Ingham, Michigan 2 $ 372,000 $ 186,000 $ 202,000
Saginaw, Michigan 2 $ 478,000 $ 239,000 $ 702,000
Washtenaw, Michigan 2 $ 427,000 $ 213,500 $ 95,000
Delaware, Ohio 2 $ 549,000 $ 274,500 $ 172,000
Franklin, Ohio 2 $ 439,000 $ 219,500 $ 64,000
Montgomery, Pennsylvania 2 $ 834,000 $ 417,000 $ 376,000
Charleston, South Carolina 2 $ 1,686,000 $ 843,000 $ 1,038,000
Greenville, South Carolina 2 $ 664,000 $ 332,000 $ 95,000
El Paso, Texas 2 $ 149,000 $ 74,500 $ 137,000
Clark, Washington 2 $ 663,000 $ 331,500 $ 246,000
Dane, Wisconsin 2 $ 533,000 $ 266,500 $ 438,000
Washington, Wisconsin 2 $ 901,000 $ 450,500 $ 200,000
Baldwin, Alabama 1 $ 362,000 $ 362,000 $ 216,000
Pima, Arizona 1 $ 410,000 $ 410,000 $ 190,000
Marin, California 1 $ 489,000 $ 489,000 $ 160,000
Placer, California 1 $ 24,900,000 $ 24,900,000 $ 0
San Bernardino, California 1 $ 280,000 $ 280,000 $ 214,000
San Luis Obispo, California 1 $ 274,000 $ 274,000 $ 210,000
Santa Barbara, California 1 $ 377,000 $ 377,000 $ 99,000
Arapahoe, Colorado 1 $ 389,000 $ 389,000 $ 233,000
Denver, Colorado 1 $ 238,000 $ 238,000 $ 150,000
Hinsdale, Colorado 1 $ 236,000 $ 236,000 $ 115,000
Yuma, Colorado 1 $ 125,000 $ 125,000 $ 42,000
Lake, Florida 1 $ 110,000 $ 110,000 $ 170,000
Pasco, Florida 1 $ 120,000 $ 120,000 $ 66,000
St. Johns, Florida 1 $ 1,213,000 $ 1,213,000 $ 1,606,000
Volusia, Florida 1 $ 488,000 $ 488,000 $ 321,000
Walton, Florida 1 $ 200,000 $ 200,000 $ 0
Chatham, Georgia 1 $ 169,000 $ 169,000 $ 90,000
Pickens, Georgia 1 $ 325,000 $ 325,000 $ 74,000
Honolulu, Hawaii 1 $ 154,000 $ 154,000 $ 0
Kauai, Hawaii 1 $ 292,000 $ 292,000 $ 141,000
Adams, Illinois 1 $ 97,000 $ 97,000 $ 39,000
Boone, Illinois 1 $ 316,000 $ 316,000 $ 88,000
Clinton, Illinois 1 $ 325,000 $ 325,000 $ 132,000
LaSalle, Illinois 1 $ 47,000 $ 47,000 $ 105,000
Macon, Illinois 1 $ 29,000 $ 29,000 $ 111,000
Marshall, Illinois 1 $ 251,000 $ 251,000 $ 257,000
Tazewell, Illinois 1 $ 192,000 $ 192,000 $ 206,000
Hamilton, Indiana 1 $ 219,000 $ 219,000 $ 94,000
Starke, Indiana 1 $ 259,000 $ 259,000 $ 197,000
Jefferson, Kentucky 1 $ 168,000 $ 168,000 $ 111,000
York, Maine 1 $ 142,000 $ 142,000 $ 49,000
Baltimore City, Maryland 1 $ 342,000 $ 342,000 $ 193,000
Montgomery, Maryland 1 $ 400,000 $ 400,000 $ 124,000
Dukes, Massachusetts 1 $ 412,000 $ 412,000 $ 145,000
Antrim, Michigan 1 $ 417,000 $ 417,000 $ 396,000
Cass, Michigan 1 $ 189,000 $ 189,000 $ 275,000
Cheboygan, Michigan 1 $ 174,000 $ 174,000 $ 242,000
Clare, Michigan 1 $ 332,000 $ 332,000 $ 58,000
Iosco, Michigan 1 $ 140,000 $ 140,000 $ 66,000
Kalamazoo, Michigan 1 $ 172,000 $ 172,000 $ 331,000
Leelanau, Michigan 1 $ 4,000,000 $ 4,000,000 $ 0
Manistee, Michigan 1 $ 360,000 $ 360,000 $ 231,000
Otsego, Michigan 1 $ 86,000 $ 86,000 $ 180,000
Ottawa, Michigan 1 $ 410,000 $ 410,000 $ 190,000
Sanilac, Michigan 1 $ 150,000 $ 150,000 $ 39,000
St. Clair, Michigan 1 $ 585,000 $ 585,000 $ 0
Van Buren, Michigan 1 $ 145,000 $ 145,000 $ 52,000
Carver, Minnesota 1 $ 830,000 $ 830,000 $ 336,000
Ramsey, Minnesota 1 $ 371,000 $ 371,000 $ 0
Boone, Missouri 1 $ 764,000 $ 764,000 $ 213,000
Clay, Missouri 1 $ 365,000 $ 365,000 $ 215,000
Crawford, Missouri 1 $ 140,000 $ 140,000 $ 150,000
Macon, Missouri 1 $ 130,000 $ 130,000 $ 437,000
Miller, Missouri 1 $ 229,000 $ 229,000 $ 653,000
St. Francois, Missouri 1 $ 200,000 $ 200,000 $ 167,000
Warren, Missouri 1 $ 125,000 $ 125,000 $ 309,000
Ocean, New Jersey 1 $ 400,000 $ 400,000 $ 1,201,000
Somerset, New Jersey 1 $ 330,000 $ 330,000 $ 112,000
Bernalillo, New Mexico 1 $ 417,000 $ 417,000 $ 146,000
Suffolk, New York 1 $ 417,000 $ 417,000 $ 200,000
Buncombe, North Carolina 1 $ 199,000 $ 199,000 $ 252,000
Caldwell, North Carolina 1 $ 150,000 $ 150,000 $ 230,000
Carteret, North Carolina 1 $ 11,400,000 $ 11,400,000 $ 0
Forsyth, North Carolina 1 $ 7,275,000 $ 7,275,000 $ 0
Henderson, North Carolina 1 $ 292,000 $ 292,000 $ 138,000
Pitt, North Carolina 1 $ 100,000 $ 100,000 $ 94,000
Wake, North Carolina 1 $ 382,000 $ 382,000 $ 100,000
Hamilton, Ohio 1 $ 619,000 $ 619,000 $ 1,479,000
Montgomery, Ohio 1 $ 102,000 $ 102,000 $ 172,000
Wood, Ohio 1 $ 209,000 $ 209,000 $ 118,000
Oklahoma, Oklahoma 1 $ 228,000 $ 228,000 $ 129,000
Multnomah, Oregon 1 $ 343,000 $ 343,000 $ 137,000
Chester, Pennsylvania 1 $ 20,000,000 $ 20,000,000 $ 0
Beaufort, South Carolina 1 $ 118,000 $ 118,000 $ 167,000
Florence, South Carolina 1 $ 240,000 $ 240,000 $ 193,000
Minnehaha, South Dakota 1 $ 744,000 $ 744,000 $ 439,000
Hamilton, Tennessee 1 $ 5,500,000 $ 5,500,000 $ 0
Knox, Tennessee 1 $ 103,000 $ 103,000 $ 30,000
Fort Bend, Texas 1 $ 340,000 $ 340,000 $ 93,000
Hays, Texas 1 $ 131,000 $ 131,000 $ 175,000
Kendall, Texas 1 $ 256,000 $ 256,000 $ 71,000
Medina, Texas 1 $ 179,000 $ 179,000 $ 110,000
Travis, Texas 1 $ 413,000 $ 413,000 $ 186,000
King, Washington 1 $ 488,000 $ 488,000 $ 418,000
Jefferson, Wisconsin 1 $ 255,000 $ 255,000 $ 430,000
Kenosha, Wisconsin 1 $ 86,000 $ 86,000 $ 32,000
La Crosse, Wisconsin 1 $ 412,000 $ 412,000 $ 150,000
Outagamie, Wisconsin 1 $ 240,000 $ 240,000 $ 414,000
Racine, Wisconsin 1 $ 417,000 $ 417,000 $ 217,000
Sheboygan, Wisconsin 1 $ 403,000 $ 403,000 $ 592,000
Winnebago, Wisconsin 1 $ 290,000 $ 290,000 $ 237,000

Mortgage Loan Application Detail Totals for CIBC Bank USA in 2013

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 1,294 $499,597,000 $386,000 $30,750,000 $178,000 $3,561,000
Home Purchase 830 $268,817,000 $323,000 $11,400,000 $159,000 $6,504,000
Home Improvement 57 $65,821,000 $1,154,000 $43,400,000 $136,000 $1,338,000

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 1,776 $490,356,000 $276,000 $3,450,000 $184,000 $6,504,000
Not Provided 138 $38,862,000 $281,000 $1,900,000 $144,000 $960,000
Hispanic 98 $12,295,000 $125,000 $417,000 $67,000 $663,000
Asian 67 $17,125,000 $255,000 $1,500,000 $155,000 $867,000
Black or African American 61 $9,108,000 $149,000 $2,438,000 $104,000 $2,166,000
Not applicable 38 $265,873,000 $6,996,000 $43,400,000 $0 $0
Native Hawaiian or Other Pacific Islander 3 $616,000 $205,000 $240,000 $26,000 $53,000
American Indian or Alaskan Native 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) 2,042 $815,493,000 $399,000 $43,400,000 $177,000 $6,504,000
FHA-insured (Federal Housing Administration) 138 $18,598,000 $134,000 $432,000 $60,000 $321,000
VA-guaranteed (Veterans Administration) 1 $144,000 $144,000 $144,000 $49,000 $49,000
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 1,446 $649,835,000 $449,000 $43,400,000 $186,000 $6,504,000
Loan Purchased By The Institution 288 $30,999,000 $107,000 $387,000 $48,000 $258,000
Application Withdrawn By Applicant 215 $78,973,000 $367,000 $2,400,000 $232,000 $2,089,000
Application Denied By Financial Institution 183 $59,214,000 $323,000 $2,000,000 $160,000 $1,000,000
File Closed For Incompleteness 29 $10,405,000 $358,000 $1,000,000 $237,000 $793,000
Application Approved But Not Accepted 18 $4,544,000 $252,000 $417,000 $135,000 $450,000
Preapproval Denied by Financial Institution 2 $265,000 $132,000 $150,000 $53,000 $60,000
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 87 $36,140,000 $415,000 $2,000,000 $219,000 $1,000,000
Debt-To-Income Ratio 40 $10,876,000 $271,000 $713,000 $84,000 $298,000
Credit History 29 $4,396,000 $151,000 $1,000,000 $88,000 $340,000
Credit Application Incomplete 14 $3,372,000 $240,000 $444,000 $136,000 $339,000
Other 7 $1,166,000 $166,000 $400,000 $66,000 $145,000
Unverifiable Information 4 $942,000 $235,000 $290,000 $258,000 $480,000
Employment History 3 $837,000 $279,000 $292,000 $80,000 $89,000
Insufficient Cash (Downpayment, Closing Cost) 1 $1,750,000 $1,750,000 $1,750,000 $867,000 $867,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into CIBC Bank USA's 2013 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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