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CIBC Bank USA

Bank•Chicago, ILHQ•Direct•Reviews near you on Google

CIBC Bank USA has 357 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
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Sound
3/5
Near-National · 4 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar
Jumbo Superstar
Jumbo
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Particularly strong in FHA and Jumbo loans
  • Nationwide availability with consistent service

Explore another lender or local market

Report Card

CIBC Bank USA performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+3.4 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Exceptional
Pull Through
Acceptable
Volume241
Mix67.5%
Spread
+0.024%Above
Fees
$606Credit
FHA Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume56
Mix15.7%
Spread
+0.465%Above
Fees
$2,185Credit
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume54
Mix15.1%
Spread
-0.287%Below
Fees
$1,186Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume330
Mix92.4%
Spread
+0.051%Above
Fees
$677Credit
Refinance
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Sound
Volume27
Mix7.6%
Spread
-0.178%Below
Fees
$980Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
357
Applications
507
Volume
$179 million
Pricing & Closing
Avg Rate Spread
+0.034%
vs. market APOR
Avg Net Fees
$-558
Origination − Credits
Pullthrough Rate
70.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$503,235
Avg Borrower Income
$262,028
Avg Property Value
$721,303

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
28
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

28
28 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast6
CTMANJNYPAVT
Midwest7
ILINMIMNMOOHWI
South8
DCFLGANCSCTNTXVA
West7
AZCACOMTNVUTWA

Top Metro Areas by Place Specialization Score

1© John Picken · CC BY 2.0
Chicago, ILMetro
Volume 185Mix 51.82% of portfolio
75/100
Strong
2© WeaponizingArchitecture · CC BY-SA 4.0
St. Louis, MO, MO-ILMetro
Volume 23Mix 6.44% of portfolio
52/100
Sound
3© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0
Detroit, MIMetro
Volume 14Mix 3.92% of portfolio
47/100
Sound
4© Steve · CC BY-SA 2.0
Milwaukee, WIMetro
Volume 13Mix 3.64% of portfolio
45/100
Sound

Top States by Place Specialization Score

Illinois
Illinois
1
IllinoisState
Volume 199Mix 55.74% of portfolio
73/100
Strong
Missouri
Missouri
2
MissouriState
Volume 23Mix 6.44% of portfolio
48/100
Sound
Wisconsin
Wisconsin
3
WisconsinState
Volume 19Mix 5.32% of portfolio
47/100
Sound
Michigan
Michigan
4
MichiganState
Volume 19Mix 5.32% of portfolio
46/100
Sound
Florida
Florida
5
FloridaState
Volume 19Mix 5.32% of portfolio
42/100
Sound
California
California
6
CaliforniaState
Volume 11Mix 3.08% of portfolio
38/100
Acceptable

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.