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CBI Bank & Trust

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CBI Bank & Trust has 302 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
Multi-Region · 3 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Explore another lender or local market

Report Card

CBI Bank & Trust performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+42.4 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume299
Mix99.0%
Spread
+0.428%Above
Fees
$1,041Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume242
Mix80.1%
Spread
+0.416%Above
Fees
$1,060Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume60
Mix19.9%
Spread
+0.467%Above
Fees
$892Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
302
Applications
366
Volume
$59 million
Pricing & Closing
Avg Rate Spread
+0.424%
vs. market APOR
Avg Net Fees
$1,033
Origination − Credits
Pullthrough Rate
82.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$196,788
Avg Borrower Income
$121,556
Avg Property Value
$271,987

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

8
8 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest6
IAILINMINEWI
South2
FLSC

Top Metro Areas by Place Specialization Score

1© Smallbones · CC0
Davenport, IA-ILMetro
Volume 86Mix 28.48% of portfolio
76/100
Strong
Volume 29Mix 9.60% of portfolio
58/100
Sound
3© w_lemay · CC BY-SA 2.0
Iowa City, IAMetro
Volume 21Mix 6.95% of portfolio
55/100
Sound

Top States by Place Specialization Score

Illinois
Illinois
1
IllinoisState
Volume 170Mix 56.29% of portfolio
72/100
Strong
Iowa
Iowa
2
IowaState
Volume 118Mix 39.07% of portfolio
68/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.