CBI Bank & Trust
CBI Bank & Trust received 984 applications in 2025 and made 772 mortgages, in 65 counties across 12 states. The median rate its borrowers got was 7.125% on a median loan of $85,000. Of 909 decisions, 125 were denials — 13.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493003X0GM1DHJIWC22 |
|---|---|
| Applications received | 984 |
| Mortgages made | 772 |
| Denied | 125 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 75 |
| Loans bought from other lenders | 4 |
| Median rate spread over the prime offer rate | 0.533 points |
| FDIC-insured bank | Yes: CBI Bank & Trust, 24 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 332 | 6.875% | $135,000 | 6.1% |
| Refinancing | 233 | 7.250% | $65,000 | 13.9% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Other purposes | 200 | 7.500% | $45,000 | 23.3% |
Where CBI Bank & Trust lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Knox County, IL | 200 | 7.300% | 10.3% |
| Muscatine County, IA | 140 | 7.000% | 12.5% |
| Scott County, IA | 69 | 7.125% | 14.6% |
| Rock Island County, IL | 68 | 7.250% | 14.8% |
| Johnson County, IA | 45 | 6.750% | 6.0% |
| Mercer County, IL | 34 | 7.000% | 22.7% |
| Peoria County, IL | 30 | 6.950% | 11.1% |
| Rock County, WI | 25 | 7.500% | 30.6% |
| Henry County, IL | 15 | 6.950% | 26.1% |
| Winnebago County, IL | 15 | 7.500% | 16.7% |
| Washington County, IA | 15 | 7.500% | 25.0% |
| Warren County, IL | 13 | 7.000% | 13.3% |
| Louisa County, IA | 11 | 6.875% | 0.0% |
| Tazewell County, IL | 10 | 6.950% | 9.1% |
| Cedar County, IA | 8 | Under 10 loans | 0.0% |
| Fulton County, IL | 6 | Under 10 loans | 0.0% |
| Henry County, IA | 6 | Under 10 loans | 0.0% |
| Clinton County, IA | 5 | Under 10 loans | 0.0% |
| Woodford County, IL | 4 | Under 10 loans | 20.0% |
| Linn County, IA | 4 | Under 10 loans | 0.0% |
| Henderson County, IL | 3 | Under 10 loans | 25.0% |
| McDonough County, IL | 3 | Under 10 loans | 40.0% |
| Iowa County, IA | 3 | Under 10 loans | 25.0% |
| Cook County, IL | 2 | Under 10 loans | 0.0% |
| Stark County, IL | 2 | Under 10 loans | 42.9% |
| Jefferson County, IA | 2 | Under 10 loans | 0.0% |
| Keokuk County, IA | 2 | Under 10 loans | 33.3% |
| Polk County, IA | 2 | Under 10 loans | 0.0% |
| Camden County, MO | 2 | Under 10 loans | 0.0% |
| Benton County, AR | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Adams County, IL | 1 | Under 10 loans | 0.0% |
| Grundy County, IL | 1 | Under 10 loans | 0.0% |
| Hamilton County, IL | 1 | Under 10 loans | 0.0% |
| Jersey County, IL | 1 | Under 10 loans | 0.0% |
| Kankakee County, IL | 1 | Under 10 loans | 0.0% |
| McHenry County, IL | 1 | Under 10 loans | 0.0% |
| McLean County, IL | 1 | Under 10 loans | 0.0% |
| Marshall County, IL | 1 | Under 10 loans | 0.0% |
| Putnam County, IL | 1 | Under 10 loans | 0.0% |
| Black Hawk County, IA | 1 | Under 10 loans | 0.0% |
| Guthrie County, IA | 1 | Under 10 loans | 0.0% |
| Jackson County, IA | 1 | Under 10 loans | 0.0% |
| Jasper County, IA | 1 | Under 10 loans | 0.0% |
| Lee County, IA | 1 | Under 10 loans | 50.0% |
| Wapello County, IA | 1 | Under 10 loans | 0.0% |
| East Baton Rouge Parish, LA | 1 | Under 10 loans | 0.0% |
| Allegan County, MI | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.