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Act (HMDA) records CIBC Bank USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville-Arlington Heights, IL | 1,179 | $ 432,865,000 | $ 367,145 | $ 155,000 |
| Lake County-Kenosha County, IL-WI | 96 | $ 37,840,000 | $ 394,166 | $ 242,072 |
| St. Louis, MO-IL | 72 | $ 15,120,000 | $ 210,000 | $ 107,416 |
| Milwaukee-Waukesha-West Allis, WI | 57 | $ 13,415,000 | $ 235,350 | $ 140,000 |
| Outside any metro area | 44 | $ 24,900,000 | $ 565,909 | $ 420,613 |
| Warren-Troy-Farmington Hills, MI | 42 | $ 71,800,000 | $ 1,709,523 | $ 92,000 |
| Elgin, IL | 41 | $ 9,865,000 | $ 240,609 | $ 109,000 |
| Detroit-Dearborn-Livonia, MI | 17 | $ 42,045,000 | $ 2,473,235 | $ 81,000 |
| Gary, IN | 13 | $ 3,185,000 | $ 245,000 | $ 95,000 |
| Los Angeles-Long Beach-Glendale, CA | 13 | $ 16,405,000 | $ 1,261,923 | $ 466,000 |
| Phoenix-Mesa-Scottsdale, AZ | 13 | $ 15,195,000 | $ 1,168,846 | $ 312,000 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 4,975,000 | $ 552,777 | $ 219,000 |
| New York-Jersey City-White Plains, NY-NJ | 7 | $ 6,865,000 | $ 980,714 | $ 482,285 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 9,855,000 | $ 1,407,857 | $ 1,043,000 |
| Atlanta-Sandy Springs-Roswell, GA | 6 | $ 3,830,000 | $ 638,333 | $ 275,000 |
| Dallas-Plano-Irving, TX | 6 | $ 2,220,000 | $ 370,000 | $ 211,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 2,725,000 | $ 545,000 | $ 490,400 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 4,855,000 | $ 971,000 | $ 2,173,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 2,365,000 | $ 473,000 | $ 295,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 2,505,000 | $ 501,000 | $ 1,530,000 |
| San Francisco-Redwood City-South San Francisco, CA | 5 | $ 6,815,000 | $ 1,363,000 | $ 544,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 3,720,000 | $ 930,000 | $ 658,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 2,710,000 | $ 677,500 | $ 1,857,000 |
| Niles-Benton Harbor, MI | 4 | $ 4,860,000 | $ 1,215,000 | $ 859,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 2,680,000 | $ 670,000 | $ 241,000 |
| Ann Arbor, MI | 3 | $ 435,000 | $ 145,000 | $ 61,000 |
| Baltimore-Columbia-Towson, MD | 3 | $ 1,915,000 | $ 638,333 | $ 278,000 |
| Boulder, CO | 3 | $ 1,755,000 | $ 585,000 | $ 366,000 |
| Columbus, OH | 3 | $ 1,425,000 | $ 475,000 | $ 542,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 1,865,000 | $ 621,666 | $ 171,000 |
| Knoxville, TN | 3 | $ 1,065,000 | $ 355,000 | $ 183,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 4,175,000 | $ 1,391,666 | $ 1,246,000 |
| Santa Maria-Santa Barbara, CA | 3 | $ 2,715,000 | $ 905,000 | $ 720,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 2,385,000 | $ 795,000 | $ 330,000 |
| Tucson, AZ | 3 | $ 1,265,000 | $ 421,666 | $ 342,000 |
| Austin-Round Rock, TX | 2 | $ 3,750,000 | $ 1,875,000 | $ 399,000 |
| Boston, MA | 2 | $ 6,610,000 | $ 3,305,000 | $ 1,275,000 |
| Chattanooga, TN-GA | 2 | $ 2,450,000 | $ 1,225,000 | $ 1,157,000 |
| Columbia, SC | 2 | $ 410,000 | $ 205,000 | $ 90,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 1,370,000 | $ 685,000 | $ 265,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 950,000 | $ 475,000 | $ 340,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 760,000 | $ 380,000 | $ 257,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 930,000 | $ 465,000 | $ 228,000 |
| Jacksonville, FL | 2 | $ 1,040,000 | $ 520,000 | $ 523,000 |
| Kankakee, IL | 2 | $ 280,000 | $ 140,000 | $ 51,000 |
| New Haven-Milford, CT | 2 | $ 540,000 | $ 270,000 | $ 72,000 |
| San Antonio-New Braunfels, TX | 2 | $ 820,000 | $ 410,000 | $ 187,000 |
| San Diego-Carlsbad, CA | 2 | $ 2,140,000 | $ 1,070,000 | $ 406,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 1,880,000 | $ 940,000 | $ 270,000 |
| Bellingham, WA | 1 | $ 355,000 | $ 355,000 | $ 97,000 |
| Bend-Redmond, OR | 1 | $ 555,000 | $ 555,000 | $ 142,000 |
| Birmingham-Hoover, AL | 1 | $ 615,000 | $ 615,000 | $ 267,000 |
| Boise City, ID | 1 | $ 15,000 | $ 15,000 | $ 150,000 |
| Bowling Green, KY | 1 | $ 8,125,000 | $ 8,125,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 755,000 | $ 755,000 | $ 795,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 755,000 | $ 755,000 | $ 354,000 |
| Charleston-North Charleston, SC | 1 | $ 1,005,000 | $ 1,005,000 | $ 477,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Cincinnati, OH-KY-IN | 1 | $ 275,000 | $ 275,000 | $ 144,000 |
| Corvallis, OR | 1 | $ 455,000 | $ 455,000 | $ 144,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Durham-Chapel Hill, NC | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Fort Collins, CO | 1 | $ 1,225,000 | $ 1,225,000 | $ 693,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 235,000 | $ 235,000 | $ 113,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 225,000 | $ 225,000 | $ 515,000 |
| Ithaca, NY | 1 | $ 325,000 | $ 325,000 | $ 241,000 |
| Janesville-Beloit, WI | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 5,255,000 | $ 5,255,000 | $ 1,547,000 |
| Kalamazoo-Portage, MI | 1 | $ 805,000 | $ 805,000 | $ 840,000 |
| Lakeland-Winter Haven, FL | 1 | $ 28,265,000 | $ 28,265,000 | $ 0 |
| Lansing-East Lansing, MI | 1 | $ 95,000 | $ 95,000 | $ 236,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 1,025,000 | $ 1,025,000 | $ 1,220,000 |
| Macon-Bibb County, GA | 1 | $ 235,000 | $ 235,000 | $ 110,000 |
| Madison, WI | 1 | $ 395,000 | $ 395,000 | $ 326,000 |
| Memphis, TN-MS-AR | 1 | $ 345,000 | $ 345,000 | $ 295,000 |
| Muskegon, MI | 1 | $ 455,000 | $ 455,000 | $ 250,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Norwich-New London, CT | 1 | $ 555,000 | $ 555,000 | $ 484,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 905,000 | $ 905,000 | $ 260,000 |
| Ocala, FL | 1 | $ 135,000 | $ 135,000 | $ 34,000 |
| Oklahoma City, OK | 1 | $ 285,000 | $ 285,000 | $ 529,000 |
| Olympia-Tumwater, WA | 1 | $ 30,265,000 | $ 30,265,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 26,505,000 | $ 26,505,000 | $ 0 |
| Panama City, FL | 1 | $ 715,000 | $ 715,000 | $ 1,011,000 |
| Peoria, IL | 1 | $ 355,000 | $ 355,000 | $ 212,000 |
| Pittsburgh, PA | 1 | $ 1,955,000 | $ 1,955,000 | $ 1,056,000 |
| Portland-South Portland, ME | 1 | $ 505,000 | $ 505,000 | $ 209,000 |
| Punta Gorda, FL | 1 | $ 155,000 | $ 155,000 | $ 70,000 |
| Racine, WI | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Raleigh, NC | 1 | $ 345,000 | $ 345,000 | $ 124,000 |
| Rapid City, SD | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Reno, NV | 1 | $ 3,005,000 | $ 3,005,000 | $ 1,698,000 |
| Rockingham County-Strafford County, NH | 1 | $ 225,000 | $ 225,000 | $ 77,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 1,055,000 | $ 1,055,000 | $ 1,200,000 |
| Salinas, CA | 1 | $ 445,000 | $ 445,000 | $ 900,000 |
| Salt Lake City, UT | 1 | $ 455,000 | $ 455,000 | $ 213,000 |
| San Rafael, CA | 1 | $ 1,315,000 | $ 1,315,000 | $ 355,000 |
| Sebastian-Vero Beach, FL | 1 | $ 455,000 | $ 455,000 | $ 202,000 |
| Sheboygan, WI | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 1,355,000 | $ 1,355,000 | $ 537,000 |
| Springfield, IL | 1 | $ 245,000 | $ 245,000 | $ 108,000 |
| Tacoma-Lakewood, WA | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 285,000 | $ 285,000 | $ 120,000 |
| Wichita, KS | 1 | $ 1,115,000 | $ 1,115,000 | $ 475,000 |
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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