# CIBM Bank

> **Canonical URL:** https://saferate.com/lenders/cibm-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CIBM Bank is a bank, headquartered in Champaign, IL, serving borrowers across 28 states, with 715 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 55% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300RIPPSJXAQKZ383
- **Headquarters:** Champaign, IL
- **Geographic Reach:** Near-National
- **States Served:** 28
- **State List:** AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KY, MA, ME, MI, MO, NC, NH, NJ, NY, OH, OK, PA, RI, SC, TN, TX, WA, WI
- **Markets (MSAs):** 14
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.448%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,443
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 715
- **Dollar Volume:** $231 million
- **Applications Received:** 957
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $323,657
- **Average Borrower Income:** $149,017
- **Average Property Value:** $418,958

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 581 | +0.439% | $1,491 | Strong 😀 |
| FHA | 68/100 | 97 | +0.646% | $1,639 | Strong 😀 |
| VA | 60/100 | 23 | +0.078% | $484 | Sound ☺️ |
| Jumbo | 41/100 | 11 | +0.265% | $-451 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 516 loans, Score: 69/100 (Strong)
- Refinance: 65 loans, Score: 49/100 (Sound)

**FHA:**
- Purchase: 88 loans, Score: 67/100 (Strong)

**VA:**
- Purchase: 20 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 70/100 | 637 | $207M | +0.455% | Strong 😀 |
| Refinance | 48/100 | 78 | $25M | +0.395% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 352 | 0.28% | 78/100 |
| WI | 153 | 0.23% | 70/100 |
| MA | 47 | 0.08% | 56/100 |
| NJ | 47 | 0.05% | 56/100 |
| IN | 23 | 0.03% | 46/100 |
| RI | 19 | 0.18% | 50/100 |
| FL | 16 | 0.01% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 215 | 74/100 |
| Milwaukee | WI | 65 | 64/100 |
| Non |  | 64 | 45/100 |
| Elgin, IL | IL | 45 | 66/100 |
| Peoria, IL | IL | 45 | 62/100 |
| Sheboygan, WI | WI | 41 | 74/100 |
| Lake County, IL | IL | 21 | 55/100 |
| Providence | RI-MA | 21 | 51/100 |
| Lakewood | NJ | 18 | 47/100 |
| Worcester, MA | MA | 18 | 51/100 |
| Springfield, MA | MA | 16 | 49/100 |
| Newark, NJ | NJ | 15 | 46/100 |
| Lake County | IN | 13 | 46/100 |
| Indianapolis | IN | 10 | 40/100 |

## Where This Lender Ranks

CIBM Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Elgin, IL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/elgin-il/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Peoria, IL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Springfield, MA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Sheboygan, WI Banks
  - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders/banks)
- 🏆 **#6** in Sheboygan, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Chicago for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/banks/va-loans)
- 🏆 **#9** in Milwaukee for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#9** in Peoria, IL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Sheboygan, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Chicago for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#11** in Peoria, IL Banks
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/banks)
- 🏆 **#11** in Peoria, IL for FHA Loans
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/fha-loans)
- 🏆 **#11** in Sheboygan, WI
  - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders)
- 🏆 **#12** in Elgin, IL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/elgin-il/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Illinois for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#13** in Wisconsin for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#14** in Elgin, IL Banks
  - [View Full Rankings](https://saferate.com/elgin-il/best-mortgage-lenders/banks)
- 🏆 **#15** in Wisconsin for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks/va-loans)
- 🏆 **#16** in Milwaukee for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Elgin, IL for FHA Loans
  - [View Full Rankings](https://saferate.com/elgin-il/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does CIBM Bank offer?

CIBM Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CIBM Bank offer mortgages?

CIBM Bank offers mortgages in 28 states: AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KY, MA, ME, MI, MO, NC, NH, NJ, NY, OH, OK, PA, RI, SC, TN, TX, WA, WI.

### How competitive are CIBM Bank's mortgage rates?

CIBM Bank has a pricing score of 45/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.448% above market average.

### What type of lender is CIBM Bank?

CIBM Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Champaign, IL.

### What is CIBM Bank's loan approval success rate?

CIBM Bank has a pull-through score of 56/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/cibm-bank

### How to Cite

> "CIBM Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cibm-bank

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