CIBC Bank USA mortgage approval rate & lending review
CIBC Bank USA decided 1,409 mortgage applications and funded 1,216 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions CIBC Bank USA reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
CIBC Bank USA at a glance
Approval is 1.2 points above the 86.1% 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 | 87% | 998 / 1,143 | 99% | $265K | 986 |
| Cash-out refinance | 90% | 44 / 49 | 100% | $435K | 44 |
| Refinance | 81% | 26 / 32 | 100% | $545K | 26 |
| Investment property purchase | 88% | 129 / 146 | 100% | $525K | 129 |
CIBC Bank USA lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 86% | $265K | 812 | 687 |
| Florida | 82% | $205K | 103 | 84 |
| Wisconsin | 80% | $205K | 95 | 76 |
| Michigan | 84% | $135K | 63 | 53 |
| California | 95% | $285K | 61 | 58 |
| Texas | 100% | $485K | 34 | 34 |
| Missouri | 93% | $185K | 28 | 26 |
| Arizona | 88% | $495K | 26 | 23 |
| Massachusetts | 96% | $885K | 23 | 22 |
| Georgia | 100% | $745K | 20 | 20 |
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 CIBC Bank USA lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cook County, IL | Mortgage lenders | 85% | 589 | 491 |
| San Francisco County, CA | Mortgage lenders | 92% | 24 | 22 |
The county markets where CIBC Bank USA made the most loans. Each link opens that market with every lender ranked.
Questions about CIBC Bank USA
What is CIBC Bank USA's mortgage approval rate?
CIBC Bank USA approved 87.3% of the 1,409 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.2 points above the 86.1% national rate for the same mix of loan types.
How often do borrowers take the loan CIBC Bank USA offers?
Borrowers accepted 99% of the loans CIBC Bank USA 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 CIBC Bank USA make?
The typical home purchase mortgage loan CIBC Bank USA made was $265K; across all loan types its typical loan ran from $265K to $545K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does CIBC Bank USA lend?
CIBC Bank USA decided applications in 34 of the states Fat Boy Data covers, most of them in Illinois, Florida and Wisconsin.
Can I apply to CIBC Bank USA directly?
Yes. CIBC Bank USA is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show CIBC Bank USA'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 CIBC Bank USA treats applications, then get a rate quote from the lender.