Looking for a different lender?
C
CIBC Bank USA
Bank|Chicago, IL|Near-National
Loans Originated
357
Applications
507
Volume
$179 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar⭐Jumbo Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.034%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
-$558
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
70.4%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
CIBC Bank USA performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Near-National · 4 metro areas · 28 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$503,235
Average Borrower Income
$262,028
Average Property Value
$721,303
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Exceptional | Acceptable | 241 | 67.5% | +0.024% | -$606 |
FHA Loans | Strong | Strong | Exceptional | Sound | 56 | 15.7% | +0.465% | -$2,185 |
Jumbo Loans | Strong | Strong | Sound | Strong | 54 | 15.1% | -0.287% | $1,186 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Strong | Sound | 330 | 92.4% | +0.051% | -$677 |
Refinance | Sound | Acceptable | Strong | Sound | 27 | 7.6% | -0.178% | $980 |
Geographic Coverage
Metro Areas
4
States Served
28
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCACOCTDCFLGAILINMAMIMNMOMTNCNJNVNYOHPASCTNTXUTVAVTWAWI
Top Metro Areas by Place Specialization Score
1
Chicago, ILMSA
Volume: 185Mix: 51.82%
Place Specialization
Strong
2
St. Louis, MO, MO-ILMSA
Volume: 23Mix: 6.44%
Place Specialization
Sound
3
Detroit, MIMSA
Volume: 14Mix: 3.92%
Place Specialization
Sound
4
Milwaukee, WIMSA
Volume: 13Mix: 3.64%
Place Specialization
Sound
Top States by Place Specialization Score
1
ILState
Volume: 199Mix: 55.74%
Place Specialization
Strong
2
MOState
Volume: 23Mix: 6.44%
Place Specialization
Sound
3
WIState
Volume: 19Mix: 5.32%
Place Specialization
Sound
4
MIState
Volume: 19Mix: 5.32%
Place Specialization
Sound
5
FLState
Volume: 19Mix: 5.32%
Place Specialization
Sound
6
CAState
Volume: 11Mix: 3.08%
Place Specialization
Acceptable
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.
Ready to Get Started?
Compare CIBC Bank USA with other lenders or get personalized recommendations.