CBI Bank & Trust mortgage approval rate & lending review
CBI Bank & Trust decided 797 mortgage applications and funded 702 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions CBI Bank & Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
CBI Bank & Trust at a glance
Approval is 9.6 points above the 79.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 245 / 256 | 99% | $195K | 243 |
| Home improvement loans | 75% | 93 / 124 | 98% | $55K | 91 |
| Refinance | 77% | 109 / 141 | 100% | $85K | 109 |
| Investment property purchase | 98% | 157 / 161 | 97% | $135K | 153 |
| Investment refinance | 93% | 79 / 85 | 100% | $75K | 79 |
CBI Bank & Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Iowa | 90% | $185K | 365 | 323 |
| Illinois | 90% | $105K | 336 | 298 |
| Wisconsin | 79% | $105K | 68 | 54 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where CBI Bank & Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Peoria County, IL | Mortgage lenders | 98% | 53 | 52 |
| Scott County, IA | Mortgage lenders | 94% | 52 | 49 |
| Johnson County, IA | Mortgage lenders | 94% | 51 | 46 |
| Rock Island County, IL | Mortgage lenders | 98% | 43 | 42 |
| Johnson County, IA | Investment property purchase | 100% | 43 | 41 |
| Scott County, IA | Investment property purchase | 97% | 36 | 34 |
| Scott County, IA | Home improvement loans | 76% | 42 | 32 |
| Scott County, IA | Refinance | 70% | 44 | 31 |
| Rock Island County, IL | Refinance | 85% | 34 | 29 |
| Rock Island County, IL | Home improvement loans | 71% | 35 | 25 |
The county markets where CBI Bank & Trust made the most loans. Each link opens that market with every lender ranked.
Questions about CBI Bank & Trust
What is CBI Bank & Trust's mortgage approval rate?
CBI Bank & Trust approved 89.1% of the 797 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.6 points above the 79.5% national rate for the same mix of loan types.
How often do borrowers take the loan CBI Bank & Trust offers?
Borrowers accepted 99% of the loans CBI Bank & Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does CBI Bank & Trust make?
The typical home purchase mortgage loan CBI Bank & Trust made was $195K; across all loan types its typical loan ran from $55K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does CBI Bank & Trust lend?
CBI Bank & Trust decided applications in 16 of the states Fat Boy Data covers, most of them in Iowa, Illinois and Wisconsin.
Can I apply to CBI Bank & Trust directly?
Yes. CBI Bank & Trust is a bank or credit union with 24 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show CBI Bank & Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how CBI Bank & Trust treats applications, then get a rate quote from the lender.