CIBC Bank USA Mortgage Lending & HMDA Data, 2018

In 2018, CIBC Bank USA of Chicago, IL reported 1,778 mortgage applications totaling $912.8 million, down 10% from 2017. The average application was for $513,368, and applicants reported an average income of $202,754. 67% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (1,179), Lake County-Kenosha County, IL-WI (96) and St. Louis, MO-IL (72) (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 1,778
Total Mortgage Loan Application Amount $912,770,000
Average Mortgage Loan Application Amount $513,368
Highest Mortgage Loan Application Amount $60,845,000
Average Applicant Income $202,754
Highest Applicant Income $9,949,000

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Act (HMDA) records CIBC Bank USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 969 $ 327,015,000 $ 337,476 $ 158,000
Will, Illinois 93 $ 16,935,000 $ 182,096 $ 81,000
Lake, Illinois 91 $ 37,015,000 $ 406,758 $ 249,000
DuPage, Illinois 76 $ 79,220,000 $ 1,042,368 $ 229,000
St. Louis, Missouri 53 $ 12,135,000 $ 228,962 $ 112,000
Milwaukee, Wisconsin 44 $ 7,400,000 $ 168,181 $ 79,000
Kane, Illinois 41 $ 9,865,000 $ 240,609 $ 109,000
McHenry, Illinois 26 $ 6,790,000 $ 261,153 $ 155,000
Oakland, Michigan 23 $ 66,235,000 $ 2,879,782 $ 127,000
Macomb, Michigan 19 $ 5,565,000 $ 292,894 $ 50,000
Wayne, Michigan 17 $ 42,045,000 $ 2,473,235 $ 81,000
St. Louis City, Missouri 14 $ 1,450,000 $ 103,571 $ 75,000
Walworth, Wisconsin 14 $ 8,760,000 $ 625,714 $ 456,000
Los Angeles, California 13 $ 16,405,000 $ 1,261,923 $ 466,000
Maricopa, Arizona 12 $ 14,490,000 $ 1,207,500 $ 311,000
Lake, Indiana 11 $ 2,815,000 $ 255,909 $ 88,000
Kendall, Illinois 10 $ 2,130,000 $ 213,000 $ 96,000
Waukesha, Wisconsin 8 $ 2,910,000 $ 363,750 $ 223,000
Palm Beach, Florida 7 $ 9,855,000 $ 1,407,857 $ 1,043,000
Riverside, California 5 $ 2,505,000 $ 501,000 $ 1,530,000
Collier, Florida 5 $ 4,855,000 $ 971,000 $ 2,173,000
Orange, Florida 5 $ 2,075,000 $ 415,000 $ 242,000
Grundy, Illinois 5 $ 775,000 $ 155,000 $ 56,000
Kenosha, Wisconsin 5 $ 825,000 $ 165,000 $ 116,000
Orange, California 4 $ 3,720,000 $ 930,000 $ 658,000
Lee, Florida 4 $ 2,710,000 $ 677,500 $ 1,857,000
Fulton, Georgia 4 $ 2,780,000 $ 695,000 $ 254,000
Berrien, Michigan 4 $ 4,860,000 $ 1,215,000 $ 859,000
Hennepin, Minnesota 4 $ 2,220,000 $ 555,000 $ 537,000
Pima, Arizona 3 $ 1,265,000 $ 421,666 $ 342,000
San Francisco, California 3 $ 2,925,000 $ 975,000 $ 559,000
Santa Barbara, California 3 $ 2,715,000 $ 905,000 $ 720,000
Boulder, Colorado 3 $ 1,755,000 $ 585,000 $ 366,000
Miami-Dade, Florida 3 $ 4,175,000 $ 1,391,666 $ 1,246,000
Sarasota, Florida 3 $ 1,365,000 $ 455,000 $ 350,000
Washtenaw, Michigan 3 $ 435,000 $ 145,000 $ 61,000
New York, New York 3 $ 3,635,000 $ 1,211,666 $ 776,000
Knox, Tennessee 3 $ 1,065,000 $ 355,000 $ 183,000
King, Washington 3 $ 2,385,000 $ 795,000 $ 330,000
Burnett, Wisconsin 3 $ 685,000 $ 228,333 $ 312,000
Washington, Wisconsin 3 $ 1,495,000 $ 498,333 $ 397,000
San Diego, California 2 $ 2,140,000 $ 1,070,000 $ 406,000
San Mateo, California 2 $ 3,890,000 $ 1,945,000 $ 522,000
Santa Clara, California 2 $ 1,880,000 $ 940,000 $ 270,000
Arapahoe, Colorado 2 $ 880,000 $ 440,000 $ 129,000
Eagle, Colorado 2 $ 4,520,000 $ 2,260,000 $ 1,009,000
Gunnison, Colorado 2 $ 330,000 $ 165,000 $ 61,000
Summit, Colorado 2 $ 980,000 $ 490,000 $ 718,000
Hartford, Connecticut 2 $ 950,000 $ 475,000 $ 340,000
New Haven, Connecticut 2 $ 540,000 $ 270,000 $ 72,000
District of Columbia, District Of Columbia 2 $ 1,320,000 $ 660,000 $ 192,000
Broward, Florida 2 $ 1,370,000 $ 685,000 $ 265,000
Lake, Florida 2 $ 400,000 $ 200,000 $ 103,000
Manatee, Florida 2 $ 1,000,000 $ 500,000 $ 212,000
Nassau, Florida 2 $ 1,040,000 $ 520,000 $ 523,000
Osceola, Florida 2 $ 2,500,000 $ 1,250,000 $ 336,000
Kankakee, Illinois 2 $ 280,000 $ 140,000 $ 51,000
LaSalle, Illinois 2 $ 400,000 $ 200,000 $ 74,000
Porter, Indiana 2 $ 370,000 $ 185,000 $ 135,000
Anne Arundel, Maryland 2 $ 1,370,000 $ 685,000 $ 266,000
Suffolk, Massachusetts 2 $ 6,610,000 $ 3,305,000 $ 1,275,000
St. Charles, Missouri 2 $ 500,000 $ 250,000 $ 94,000
Franklin, Ohio 2 $ 810,000 $ 405,000 $ 157,000
Hamilton, Tennessee 2 $ 2,450,000 $ 1,225,000 $ 1,157,000
Bexar, Texas 2 $ 820,000 $ 410,000 $ 187,000
Collin, Texas 2 $ 900,000 $ 450,000 $ 341,000
Dallas, Texas 2 $ 640,000 $ 320,000 $ 153,000
Denton, Texas 2 $ 680,000 $ 340,000 $ 139,000
Travis, Texas 2 $ 3,750,000 $ 1,875,000 $ 399,000
Ozaukee, Wisconsin 2 $ 1,610,000 $ 805,000 $ 756,000
Jefferson, Alabama 1 $ 615,000 $ 615,000 $ 267,000
Pinal, Arizona 1 $ 705,000 $ 705,000 $ 324,000
Contra Costa, California 1 $ 905,000 $ 905,000 $ 260,000
Marin, California 1 $ 1,315,000 $ 1,315,000 $ 355,000
Monterey, California 1 $ 445,000 $ 445,000 $ 900,000
Placer, California 1 $ 1,055,000 $ 1,055,000 $ 1,200,000
Ventura, California 1 $ 26,505,000 $ 26,505,000 $ 0
Douglas, Colorado 1 $ 985,000 $ 985,000 $ 255,000
Larimer, Colorado 1 $ 1,225,000 $ 1,225,000 $ 693,000
Routt, Colorado 1 $ 1,255,000 $ 1,255,000 $ 1,825,000
Fairfield, Connecticut 1 $ 755,000 $ 755,000 $ 795,000
New London, Connecticut 1 $ 555,000 $ 555,000 $ 484,000
Bay, Florida 1 $ 715,000 $ 715,000 $ 1,011,000
Charlotte, Florida 1 $ 155,000 $ 155,000 $ 70,000
Hillsborough, Florida 1 $ 285,000 $ 285,000 $ 120,000
Indian River, Florida 1 $ 455,000 $ 455,000 $ 202,000
Marion, Florida 1 $ 135,000 $ 135,000 $ 34,000
Polk, Florida 1 $ 28,265,000 $ 28,265,000 $ 0
Bibb, Georgia 1 $ 235,000 $ 235,000 $ 110,000
DeKalb, Georgia 1 $ 755,000 $ 755,000 $ 365,000
Gwinnett, Georgia 1 $ 295,000 $ 295,000 $ 270,000
Maui, Hawaii 1 $ 5,255,000 $ 5,255,000 $ 1,547,000
Ada, Idaho 1 $ 15,000 $ 15,000 $ 150,000
Henry, Illinois 1 $ 85,000 $ 85,000 $ 54,000
Monroe, Illinois 1 $ 375,000 $ 375,000 $ 350,000
Sangamon, Illinois 1 $ 245,000 $ 245,000 $ 108,000
Tazewell, Illinois 1 $ 355,000 $ 355,000 $ 212,000
Hamilton, Indiana 1 $ 755,000 $ 755,000 $ 349,000
Marion, Indiana 1 $ 175,000 $ 175,000 $ 107,000
Louisa, Iowa 1 $ 275,000 $ 275,000 $ 621,000
Sedgwick, Kansas 1 $ 1,115,000 $ 1,115,000 $ 475,000
Jefferson, Kentucky 1 $ 1,025,000 $ 1,025,000 $ 1,220,000
Warren, Kentucky 1 $ 8,125,000 $ 8,125,000 $ 0
York, Maine 1 $ 505,000 $ 505,000 $ 209,000
Baltimore City, Maryland 1 $ 545,000 $ 545,000 $ 304,000
Montgomery, Maryland 1 $ 1,355,000 $ 1,355,000 $ 537,000
Dukes, Massachusetts 1 $ 535,000 $ 535,000 $ 149,000
Essex, Massachusetts 1 $ 755,000 $ 755,000 $ 354,000
Allegan, Michigan 1 $ 245,000 $ 245,000 $ 354,000
Grand Traverse, Michigan 1 $ 425,000 $ 425,000 $ 592,000
Ingham, Michigan 1 $ 95,000 $ 95,000 $ 236,000
Montcalm, Michigan 1 $ 235,000 $ 235,000 $ 113,000
Muskegon, Michigan 1 $ 455,000 $ 455,000 $ 250,000
Van Buren, Michigan 1 $ 805,000 $ 805,000 $ 840,000
Cook, Minnesota 1 $ 215,000 $ 215,000 $ 70,000
Camden, Missouri 1 $ 855,000 $ 855,000 $ 372,000
Jefferson, Missouri 1 $ 365,000 $ 365,000 $ 180,000
Lincoln, Missouri 1 $ 295,000 $ 295,000 $ 70,000
Park, Montana 1 $ 455,000 $ 455,000 $ 152,000
Silver Bow, Montana 1 $ 195,000 $ 195,000 $ 83,000
Washoe, Nevada 1 $ 3,005,000 $ 3,005,000 $ 1,698,000
Carroll, New Hampshire 1 $ 465,000 $ 465,000 $ 204,000
Strafford, New Hampshire 1 $ 225,000 $ 225,000 $ 77,000
Essex, New Jersey 1 $ 475,000 $ 475,000 $ 0
Monmouth, New Jersey 1 $ 755,000 $ 755,000 $ 245,000
Ocean, New Jersey 1 $ 315,000 $ 315,000 $ 212,000
Niagara, New York 1 $ 105,000 $ 105,000 $ 66,000
Rockland, New York 1 $ 1,465,000 $ 1,465,000 $ 369,000
Tompkins, New York 1 $ 325,000 $ 325,000 $ 241,000
Westchester, New York 1 $ 695,000 $ 695,000 $ 223,000
Caldwell, North Carolina 1 $ 225,000 $ 225,000 $ 515,000
Durham, North Carolina 1 $ 145,000 $ 145,000 $ 42,000
Jackson, North Carolina 1 $ 305,000 $ 305,000 $ 357,000
Mecklenburg, North Carolina 1 $ 55,000 $ 55,000 $ 37,000
Wake, North Carolina 1 $ 345,000 $ 345,000 $ 124,000
Ward, North Dakota 1 $ 375,000 $ 375,000 $ 162,000
Delaware, Ohio 1 $ 615,000 $ 615,000 $ 1,311,000
Hamilton, Ohio 1 $ 275,000 $ 275,000 $ 144,000
Ross, Ohio 1 $ 375,000 $ 375,000 $ 141,000
Oklahoma, Oklahoma 1 $ 285,000 $ 285,000 $ 529,000
Benton, Oregon 1 $ 455,000 $ 455,000 $ 144,000
Deschutes, Oregon 1 $ 555,000 $ 555,000 $ 142,000
Allegheny, Pennsylvania 1 $ 1,955,000 $ 1,955,000 $ 1,056,000
Charleston, South Carolina 1 $ 1,005,000 $ 1,005,000 $ 477,000
Horry, South Carolina 1 $ 105,000 $ 105,000 $ 0
Lexington, South Carolina 1 $ 195,000 $ 195,000 $ 90,000
Oconee, South Carolina 1 $ 235,000 $ 235,000 $ 342,000
Richland, South Carolina 1 $ 215,000 $ 215,000 $ 90,000
Meade, South Dakota 1 $ 215,000 $ 215,000 $ 75,000
Shelby, Tennessee 1 $ 345,000 $ 345,000 $ 295,000
Fort Bend, Texas 1 $ 295,000 $ 295,000 $ 152,000
Harris, Texas 1 $ 465,000 $ 465,000 $ 363,000
Salt Lake, Utah 1 $ 455,000 $ 455,000 $ 213,000
Lamoille, Vermont 1 $ 745,000 $ 745,000 $ 735,000
Arlington, Virginia 1 $ 895,000 $ 895,000 $ 438,000
Fairfax, Virginia 1 $ 465,000 $ 465,000 $ 142,000
Pierce, Washington 1 $ 245,000 $ 245,000 $ 100,000
Thurston, Washington 1 $ 30,265,000 $ 30,265,000 $ 0
Whatcom, Washington 1 $ 355,000 $ 355,000 $ 97,000
Dane, Wisconsin 1 $ 395,000 $ 395,000 $ 326,000
Green Lake, Wisconsin 1 $ 725,000 $ 725,000 $ 375,000
Oneida, Wisconsin 1 $ 345,000 $ 345,000 $ 114,000
Racine, Wisconsin 1 $ 155,000 $ 155,000 $ 60,000
Rock, Wisconsin 1 $ 125,000 $ 125,000 $ 60,000
Sheboygan, Wisconsin 1 $ 85,000 $ 85,000 $ 36,000
St. Croix, Wisconsin 1 $ 505,000 $ 505,000 $ 304,000
Waupaca, Wisconsin 1 $ 195,000 $ 195,000 $ 65,000
Teton, Wyoming 1 $ 1,005,000 $ 1,005,000 $ 749,000

Mortgage Loan Application Detail Totals for CIBC Bank USA in 2018

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 1,326 $507,930,000 $383,000 $30,265,000 $163,000 $9,949,000
Cash-out Refinancing 168 $84,470,000 $502,000 $3,205,000 $245,000 $1,578,000
Refinancing 166 $266,290,000 $1,604,000 $60,845,000 $294,000 $6,024,000
Other Purpose 76 $31,480,000 $414,000 $5,005,000 $449,000 $5,669,000
Not Applicable 23 $2,735,000 $118,000 $215,000 $47,000 $70,000
Home Improvement 19 $19,865,000 $1,045,000 $7,435,000 $1,010,000 $6,000,000

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 1,033 $457,205,000 $442,000 $8,925,000 $273,000 $9,949,000
Hispanic 335 $65,355,000 $195,000 $5,005,000 $82,000 $6,000,000
Black or African American 238 $46,650,000 $196,000 $6,005,000 $90,000 $2,357,000
Asian 88 $25,770,000 $292,000 $3,205,000 $133,000 $675,000
Not Provided 45 $13,485,000 $299,000 $3,005,000 $166,000 $1,698,000
Not applicable 21 $300,335,000 $14,301,000 $60,845,000 $0 $0
American Indian or Alaskan Native 2 $270,000 $135,000 $145,000 $155,000 $250,000
Native Hawaiian or Other Pacific Islander 1 $105,000 $105,000 $105,000 $42,000 $42,000

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) 1,501 $860,025,000 $572,000 $60,845,000 $225,000 $9,949,000
FHA-insured (Federal Housing Administration) 255 $47,655,000 $186,000 $435,000 $68,000 $188,000
VA-guaranteed (Veterans Administration) 19 $4,565,000 $240,000 $425,000 $95,000 $186,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3 $525,000 $175,000 $245,000 $69,000 $89,000

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 1,189 $737,445,000 $620,000 $60,845,000 $221,000 $9,949,000
Application Withdrawn By Applicant 261 $100,765,000 $386,000 $5,005,000 $201,000 $6,000,000
Loan Purchased By The Institution 180 $20,160,000 $112,000 $305,000 $46,000 $123,000
Application Denied By Financial Institution 86 $28,170,000 $327,000 $3,205,000 $115,000 $578,000
File Closed For Incompleteness 48 $20,730,000 $431,000 $2,755,000 $317,000 $5,871,000
Application Approved But Not Accepted 14 $5,500,000 $392,000 $2,275,000 $602,000 $6,024,000
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 1,692 $884,600,000 $522,000 $60,845,000 $205,000 $9,949,000
Debt-To-Income Ratio 24 $9,400,000 $391,000 $2,915,000 $80,000 $315,000
Collateral 23 $4,705,000 $204,000 $855,000 $104,000 $372,000
Credit History 15 $4,975,000 $331,000 $1,165,000 $136,000 $414,000
Other 13 $6,105,000 $469,000 $3,205,000 $137,000 $578,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,210,000 $201,000 $275,000 $74,000 $102,000
Credit Application Incomplete 5 $1,775,000 $355,000 $695,000 $259,000 $542,000
Employment History 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into CIBC Bank USA's 2018 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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