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Unclaimed

CBI Bank & Trust

Bank•Muscatine, IA•Direct to Consumer

Cbi Bank Trust has 302 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Strong
closing strength
Products
Sound
Conventional
Place
Strong
Multi-Region · 3 mkts

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance

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Report Card

CBI Bank & Trust performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+42.4 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Multi-Regional4 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Sound
Strong
29999.0%
+0.428%Above
$1,041Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Sound
Strong
24280.1%
+0.416%Above
$1,060Fees
Refinance
Acceptable
Sound
Mediocre
Strong
6019.9%
+0.467%Above
$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
States Served
8
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

FLIAILINMINESCWI

Top Metro Areas by Place Specialization Score

1
Davenport, IA-ILMSA
Volume: 86Mix: 28.48%of portfolio
Place
Strong
2
Peoria, IL, ILMSA
Volume: 29Mix: 9.60%of portfolio
Place
Sound
3
Iowa City, IA, IAMSA
Volume: 21Mix: 6.95%of portfolio
Place
Sound

Top States by Place Specialization Score

1
ILState
Volume: 170Mix: 56.29%of portfolio
Place
Strong
2
IAState
Volume: 118Mix: 39.07%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.