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CIBM Bank
Bank|Champaign, IL|Near-National
Loans Originated
715
Applications
957
Volume
$231 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.448%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,443
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
74.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA loans
- Nationwide availability with consistent service
Report Card
CIBM Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 14 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
$323,657
Average Borrower Income
$149,017
Average Property Value
$418,958
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 581 | 81.3% | +0.439% | $1,491 |
FHA Loans | Strong | Strong | Sound | Strong | 97 | 13.6% | +0.646% | $1,639 |
VA Loans | Sound | Sound | Sound | Strong | 23 | 3.2% | +0.078% | $484 |
Jumbo Loans | Sound | Sound | N/A | N/A | 11 | 1.5% | +0.265% | -$451 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 637 | 89.1% | +0.455% | $1,501 |
Refinance | Sound | Sound | Sound | Sound | 78 | 10.9% | +0.395% | $1,019 |
Geographic Coverage
Metro Areas
13
States Served
28
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCACOCTDEFLGAIAILINKYMAMEMIMONCNHNJNYOHOKPARISCTNTXWAWI
Top Metro Areas by Place Specialization Score
1
Chicago, ILMSA
Volume: 215Mix: 30.07%
Place Specialization
Strong
2
Sheboygan, WI, WIMSA
Volume: 41Mix: 5.73%
Place Specialization
Strong
3
Elgin, IL, ILMSA
Volume: 45Mix: 6.29%
Place Specialization
Strong
4
Milwaukee, WIMSA
Volume: 65Mix: 9.09%
Place Specialization
Strong
5
Peoria, IL, ILMSA
Volume: 45Mix: 6.29%
Place Specialization
Strong
6
Lake County, IL, ILMSA
Volume: 21Mix: 2.94%
Place Specialization
Sound
7
Worcester, MA, MAMSA
Volume: 18Mix: 2.52%
Place Specialization
Sound
8
Providence, RI-MAMSA
Volume: 21Mix: 2.94%
Place Specialization
Sound
9
Springfield, MA, MAMSA
Volume: 16Mix: 2.24%
Place Specialization
Sound
10
Lakewood, NJMSA
Volume: 18Mix: 2.52%
Place Specialization
Sound
Showing 10 of 13 metro areas
Top States by Place Specialization Score
1
ILState
Volume: 352Mix: 49.23%
Place Specialization
Strong
2
WIState
Volume: 153Mix: 21.40%
Place Specialization
Strong
3
NJState
Volume: 47Mix: 6.57%
Place Specialization
Sound
4
MAState
Volume: 47Mix: 6.57%
Place Specialization
Sound
5
RIState
Volume: 19Mix: 2.66%
Place Specialization
Sound
6
INState
Volume: 23Mix: 3.22%
Place Specialization
Sound
7
FLState
Volume: 16Mix: 2.24%
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.
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