What loan types does CIBM Bank offer?

CIBM Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing score and performance metrics.

Where does CIBM Bank offer mortgages?

CIBM Bank offers mortgages in 28 states: AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KY, MA, ME, MI, MO, NC, NH, NJ, NY, OH, OK, PA, RI, SC, TN, TX, WA, WI.

How competitive are CIBM Bank's mortgage rates?

CIBM Bank has an overall pricing score of 45.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is CIBM Bank?

CIBM Bank is a Bank headquartered in Champaign, IL.

Unclaimed

CIBM Bank

Bank•Champaign, IL•Direct to Consumer

We analyzed every closed loan from Cibm Bank — 715 loans across 957 applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Sound

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

FHA · Conventional · VA · Jumbo

Place

Sound

Near-National · 13 mkts

Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar

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Safe Rate's Summary

What They Do Well

Particularly strong in Conventional and FHA loans
Nationwide availability with consistent service

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Report Card

CIBM Bank performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Sound	Industry Standard +44.8 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Sound	Industry Standard Top 60% of lenders
Jumbo	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National14 markets

Loan Product Performance

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%Above	$1,491Fees
FHA Loans	Strong	Strong	Sound	Strong	97	13.6%	+0.646%Above	$1,639Fees
VA Loans	Sound	Sound	Sound	Strong	23	3.2%	+0.078%Above	$484Fees
Jumbo Loans	Sound	Sound	—	—	11	1.5%	+0.265%Above	$451Credit

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Sound	Strong	637	89.1%	+0.455%Above	$1,501Fees
Refinance	Sound	Sound	Sound	Sound	78	10.9%	+0.395%Above	$1,019Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

715

Applications

957

Volume

$231 million

Pricing & Closing

Avg Rate Spread

+0.448%

vs. market APOR

Avg Net Fees

$1,443

Origination − Credits

Pullthrough Rate

74.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$323,657

Avg Borrower Income

$149,017

Avg Property Value

$418,958

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

AZCACOCTDEFLGAIAILINKYMAMEMIMONCNHNJNYOHOKPARISCTNTXWAWI

Top Metro Areas by Place Specialization Score

Chicago, ILMSA

Volume: 215Mix: 30.07%of portfolio

Place

Strong

Sheboygan, WI, WIMSA

Volume: 41Mix: 5.73%of portfolio

Place

Strong

Elgin, IL, ILMSA

Volume: 45Mix: 6.29%of portfolio

Place

Strong

Milwaukee, WIMSA

Volume: 65Mix: 9.09%of portfolio

Place

Strong

Peoria, IL, ILMSA

Volume: 45Mix: 6.29%of portfolio

Place

Strong

Lake County, IL, ILMSA

Volume: 21Mix: 2.94%of portfolio

Place

Sound

Worcester, MA, MAMSA

Volume: 18Mix: 2.52%of portfolio

Place

Sound

Providence, RI-MAMSA

Volume: 21Mix: 2.94%of portfolio

Place

Sound

Springfield, MA, MAMSA

Volume: 16Mix: 2.24%of portfolio

Place

Sound

Lakewood, NJMSA

Volume: 18Mix: 2.52%of portfolio

Place

Sound

Showing 10 of 13 metro areas

Top States by Place Specialization Score

ILState

Volume: 352Mix: 49.23%of portfolio

Place

Strong

WIState

Volume: 153Mix: 21.40%of portfolio

Place

Strong

NJState

Volume: 47Mix: 6.57%of portfolio

Place

Sound

MAState

Volume: 47Mix: 6.57%of portfolio

Place

Sound

RIState

Volume: 19Mix: 2.66%of portfolio

Place

Sound

INState

Volume: 23Mix: 3.22%of portfolio

Place

Sound

FLState

Volume: 16Mix: 2.24%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.