# CBI Bank & Trust

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

> **📋 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

CBI Bank & Trust is a bank, headquartered in Muscatine, IA, serving borrowers across 8 states, with 302 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 58% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 39% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493003X0GM1DHJIWC22
- **Headquarters:** Muscatine, IA
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** FL, IA, IL, IN, MI, NE, SC, WI
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.424%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,033
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 302
- **Dollar Volume:** $59 million
- **Applications Received:** 366
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $196,788
- **Average Borrower Income:** $121,556

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 299 | +0.428% | $1,041 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 239 loans, Score: 58/100 (Sound)
- Refinance: 60 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 56/100 | 242 | $51M | +0.416% | Sound ☺️ |
| Refinance | 60/100 | 60 | $8M | +0.467% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 170 | 0.14% | 72/100 |
| IA | 118 | 0.33% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 145 | 63/100 |
| Davenport | IA-IL | 86 | 76/100 |
| Peoria, IL | IL | 29 | 58/100 |
| Iowa City, IA | IA | 21 | 55/100 |

## Frequently Asked Questions

### What loan types does CBI Bank & Trust offer?

CBI Bank & Trust offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CBI Bank & Trust offer mortgages?

CBI Bank & Trust offers mortgages in 8 states: FL, IA, IL, IN, MI, NE, SC, WI.

### How competitive are CBI Bank & Trust's mortgage rates?

CBI Bank & Trust has a pricing score of 42/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.424% above market average.

### What type of lender is CBI Bank & Trust?

CBI Bank & Trust is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Muscatine, IA.

### What is CBI Bank & Trust's loan approval success rate?

CBI Bank & Trust has a pull-through score of 61/100 (Strong). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/cbi-bank-trust

### How to Cite

> "CBI Bank & Trust Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cbi-bank-trust

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