CIBM Bank mortgage approval rate & lending review
CIBM Bank decided 2,205 mortgage applications and funded 2,061 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions CIBM Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
CIBM Bank at a glance
Approval is 8.8 points above the 85.4% 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 | 95% | 1,671 / 1,760 | 99% | $275K | 1,662 |
| Cash-out refinance | 87% | 110 / 127 | 97% | $205K | 107 |
| Refinance | 94% | 127 / 135 | 98% | $305K | 125 |
| Investment property purchase | 98% | 127 / 130 | 99% | $205K | 126 |
| Investment cash-out refinance | 79% | 23 / 29 | 96% | $175K | 22 |
CIBM Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 94% | $275K | 1,144 | 1,069 |
| Wisconsin | 97% | $235K | 518 | 496 |
| Massachusetts | 94% | $365K | 117 | 109 |
| New Jersey | 92% | $445K | 115 | 106 |
| Indiana | 96% | $265K | 80 | 76 |
| Florida | 84% | $285K | 73 | 60 |
| Rhode Island | 90% | $345K | 41 | 37 |
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 CIBM Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| DuPage County, IL | Mortgage lenders | 98% | 129 | 126 |
| Milwaukee County, WI | Mortgage lenders | 93% | 131 | 121 |
| Sheboygan County, WI | Mortgage lenders | 99% | 119 | 118 |
| Peoria County, IL | Mortgage lenders | 89% | 99 | 88 |
| Kane County, IL | Mortgage lenders | 95% | 87 | 82 |
| Waukesha County, WI | Mortgage lenders | 99% | 82 | 81 |
| McHenry County, IL | Mortgage lenders | 98% | 80 | 78 |
| Lake County, IL | Mortgage lenders | 92% | 80 | 74 |
| Tazewell County, IL | Mortgage lenders | 98% | 42 | 41 |
| Washington County, WI | Mortgage lenders | 100% | 26 | 24 |
| Walworth County, WI | Mortgage lenders | 92% | 24 | 22 |
The county markets where CIBM Bank made the most loans. Each link opens that market with every lender ranked.
Questions about CIBM Bank
What is CIBM Bank's mortgage approval rate?
CIBM Bank approved 94.2% of the 2,205 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.8 points above the 85.4% national rate for the same mix of loan types.
How often do borrowers take the loan CIBM Bank offers?
Borrowers accepted 99% of the loans CIBM Bank 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 CIBM Bank make?
The typical home purchase mortgage loan CIBM Bank made was $275K; across all loan types its typical loan ran from $175K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does CIBM Bank lend?
CIBM Bank decided applications in 30 of the states Fat Boy Data covers, most of them in Illinois, Wisconsin and Massachusetts.
Can I apply to CIBM Bank directly?
Yes. CIBM Bank is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show CIBM Bank'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 CIBM Bank treats applications, then get a rate quote from the lender.