CIBC Bank USA Mortgage Lending & HMDA Data, 2012
In 2012, CIBC Bank USA of Chicago, IL reported 2,671 mortgage applications totaling $859.5 million, up 84% from 2011. The average application was for $321,786, and applicants reported an average income of $184,298. 69% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (1,377), St. Louis, MO-IL (403) and Warren-Troy-Farmington Hills, MI (279) (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 | 2,671 |
| Total Mortgage Loan Application Amount | $859,492,000 |
| Average Mortgage Loan Application Amount | $321,786 |
| Highest Mortgage Loan Application Amount | $30,000,000 |
| Average Applicant Income | $184,298 |
| Highest Applicant Income | $8,363,000 |
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Act (HMDA) records CIBC Bank USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Joliet-Naperville, IL | 1,377 | $ 411,777,000 | $ 299,039 | $ 172,000 |
| St. Louis, MO-IL | 403 | $ 94,789,000 | $ 235,208 | $ 144,955 |
| Warren-Troy-Farmington Hills, MI | 279 | $ 70,542,000 | $ 252,838 | $ 166,000 |
| Lake County-Kenosha County, IL-WI | 142 | $ 46,031,000 | $ 324,161 | $ 182,380 |
| Milwaukee-Waukesha-West Allis, WI | 61 | $ 22,428,000 | $ 367,672 | $ 240,000 |
| Atlanta-Sandy Springs-Marietta, GA | 40 | $ 34,463,000 | $ 861,575 | $ 100,000 |
| Detroit-Livonia-Dearborn, MI | 33 | $ 7,672,000 | $ 232,484 | $ 147,000 |
| Kansas City, MO-KS | 16 | $ 4,174,000 | $ 260,875 | $ 258,312 |
| San Antonio-New Braunfels, TX | 15 | $ 3,887,000 | $ 259,133 | $ 140,000 |
| Phoenix-Mesa-Glendale, AZ | 14 | $ 6,442,000 | $ 460,142 | $ 425,000 |
| Gary, IN | 10 | $ 2,931,000 | $ 293,100 | $ 357,000 |
| Niles-Benton Harbor, MI | 10 | $ 3,664,000 | $ 366,400 | $ 208,000 |
| Ann Arbor, MI | 9 | $ 2,381,000 | $ 264,555 | $ 138,000 |
| Denver-Aurora-Broomfield, CO | 7 | $ 2,920,000 | $ 417,142 | $ 129,000 |
| Michigan City-La Porte, IN | 7 | $ 2,011,000 | $ 287,285 | $ 247,000 |
| Naples-Marco Island, FL | 7 | $ 2,237,000 | $ 319,571 | $ 461,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 1,745,000 | $ 290,833 | $ 168,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 2,631,000 | $ 526,200 | $ 445,000 |
| Peoria, IL | 5 | $ 1,200,000 | $ 240,000 | $ 140,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,227,000 | $ 306,750 | $ 380,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 1,037,000 | $ 259,250 | $ 74,000 |
| New York-White Plains-Wayne, NY-NJ | 4 | $ 10,955,000 | $ 2,738,750 | $ 1,012,000 |
| Oakland-Fremont-Hayward, CA | 4 | $ 1,538,000 | $ 384,500 | $ 150,000 |
| San Francisco-San Mateo-Redwood City, CA | 4 | $ 1,732,000 | $ 433,000 | $ 212,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 1,024,000 | $ 256,000 | $ 214,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,436,000 | $ 359,000 | $ 345,500 |
| Cleveland-Elyria-Mentor, OH | 3 | $ 646,000 | $ 215,333 | $ 26,000 |
| Des Moines-West Des Moines, IA | 3 | $ 787,000 | $ 262,333 | $ 65,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 540,000 | $ 180,000 | $ 254,000 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 1,119,000 | $ 373,000 | $ 303,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 2,573,000 | $ 857,666 | $ 457,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 32,693,000 | $ 10,897,666 | $ 497,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 1,115,000 | $ 371,666 | $ 240,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 893,000 | $ 297,666 | $ 266,000 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 6,043,000 | $ 2,014,333 | $ 506,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 794,000 | $ 264,666 | $ 168,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 895,000 | $ 298,333 | $ 156,000 |
| Anderson, SC | 2 | $ 482,000 | $ 241,000 | $ 75,000 |
| Boulder, CO | 2 | $ 512,000 | $ 256,000 | $ 295,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 756,000 | $ 378,000 | $ 169,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 1,105,000 | $ 552,500 | $ 232,000 |
| Columbus, OH | 2 | $ 279,000 | $ 139,500 | $ 300,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 921,000 | $ 460,500 | $ 249,000 |
| Durham-Chapel Hill, NC | 2 | $ 683,000 | $ 341,500 | $ 229,000 |
| Flint, MI | 2 | $ 518,000 | $ 259,000 | $ 200,000 |
| Greenville-Mauldin-Easley, SC | 2 | $ 2,650,000 | $ 1,325,000 | $ 85,000 |
| Indianapolis-Carmel, IN | 2 | $ 659,000 | $ 329,500 | $ 154,000 |
| Jacksonville, FL | 2 | $ 504,000 | $ 252,000 | $ 188,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 6,970,000 | $ 3,485,000 | $ 138,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,500,000 | $ 750,000 | $ 1,615,000 |
| Newark-Union, NJ-PA | 2 | $ 1,051,000 | $ 525,500 | $ 286,000 |
| Philadelphia, PA | 2 | $ 822,000 | $ 411,000 | $ 372,000 |
| Pittsburgh, PA | 2 | $ 717,000 | $ 358,500 | $ 140,000 |
| Raleigh-Cary, NC | 2 | $ 624,000 | $ 312,000 | $ 119,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 6,997,000 | $ 3,498,500 | $ 42,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 1,693,000 | $ 846,500 | $ 310,000 |
| Tucson, AZ | 2 | $ 1,872,000 | $ 936,000 | $ 313,000 |
| Albuquerque, NM | 1 | $ 1,275,000 | $ 1,275,000 | $ 1,211,000 |
| Ames, IA | 1 | $ 98,000 | $ 98,000 | $ 138,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 340,000 | $ 340,000 | $ 161,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 349,000 | $ 349,000 | $ 213,000 |
| Bethesda-Rockville-Frederick, MD | 1 | $ 600,000 | $ 600,000 | $ 211,000 |
| Birmingham-Hoover, AL | 1 | $ 417,000 | $ 417,000 | $ 6,231,000 |
| Boston-Quincy, MA | 1 | $ 415,000 | $ 415,000 | $ 131,000 |
| Burlington-South Burlington, VT | 1 | $ 300,000 | $ 300,000 | $ 120,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 744,000 | $ 744,000 | $ 1,656,000 |
| Chattanooga, TN-GA | 1 | $ 180,000 | $ 180,000 | $ 59,000 |
| Chico, CA | 1 | $ 416,000 | $ 416,000 | $ 149,000 |
| Columbia, MO | 1 | $ 384,000 | $ 384,000 | $ 406,000 |
| Columbia, SC | 1 | $ 182,000 | $ 182,000 | $ 162,000 |
| Decatur, IL | 1 | $ 26,000 | $ 26,000 | $ 106,000 |
| Duluth, MN-WI | 1 | $ 375,000 | $ 375,000 | $ 259,000 |
| Edison-New Brunswick, NJ | 1 | $ 417,000 | $ 417,000 | $ 171,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 377,000 | $ 377,000 | $ 292,000 |
| Gainesville, FL | 1 | $ 272,000 | $ 272,000 | $ 382,000 |
| Holland-Grand Haven, MI | 1 | $ 375,000 | $ 375,000 | $ 257,000 |
| Jackson, MI | 1 | $ 148,000 | $ 148,000 | $ 100,000 |
| Janesville, WI | 1 | $ 405,000 | $ 405,000 | $ 558,000 |
| Kankakee-Bradley, IL | 1 | $ 281,000 | $ 281,000 | $ 208,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 120,000 | $ 120,000 | $ 30,000 |
| Lansing-East Lansing, MI | 1 | $ 185,000 | $ 185,000 | $ 89,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 169,000 | $ 169,000 | $ 172,000 |
| Madison, WI | 1 | $ 164,000 | $ 164,000 | $ 33,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 124,000 | $ 124,000 | $ 173,000 |
| Memphis, TN-MS-AR | 1 | $ 190,000 | $ 190,000 | $ 230,000 |
| Muskegon-Norton Shores, MI | 1 | $ 357,000 | $ 357,000 | $ 433,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 720,000 | $ 720,000 | $ 0 |
| Portland-South Portland-Biddeford, ME | 1 | $ 323,000 | $ 323,000 | $ 200,000 |
| Punta Gorda, FL | 1 | $ 300,000 | $ 300,000 | $ 645,000 |
| Racine, WI | 1 | $ 208,000 | $ 208,000 | $ 129,000 |
| Rockford, IL | 1 | $ 169,000 | $ 169,000 | $ 359,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 258,000 | $ 258,000 | $ 211,000 |
| Salt Lake City, UT | 1 | $ 1,290,000 | $ 1,290,000 | $ 550,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 395,000 | $ 395,000 | $ 107,000 |
| Santa Fe, NM | 1 | $ 400,000 | $ 400,000 | $ 78,000 |
| Savannah, GA | 1 | $ 340,000 | $ 340,000 | $ 268,000 |
| Sebastian-Vero Beach, FL | 1 | $ 133,000 | $ 133,000 | $ 211,000 |
| Springfield, MO | 1 | $ 301,000 | $ 301,000 | $ 280,000 |
| St. George, UT | 1 | $ 400,000 | $ 400,000 | $ 131,000 |
| Tacoma, WA | 1 | $ 405,000 | $ 405,000 | $ 261,000 |
| Terre Haute, IN | 1 | $ 320,000 | $ 320,000 | $ 393,000 |
| Toledo, OH | 1 | $ 223,000 | $ 223,000 | $ 92,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 284,000 | $ 284,000 | $ 92,000 |
| Wausau, WI | 1 | $ 400,000 | $ 400,000 | $ 232,000 |
| Winston-Salem, NC | 1 | $ 340,000 | $ 340,000 | $ 329,000 |
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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