CIBC Bank USA
CIBC Bank USA received 750 applications in 2025 and made 541 mortgages, in 148 counties across 31 states. The median rate its borrowers got was 6.000% on a median loan of $335,000. Of 611 decisions, 61 were denials — 10.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | FDXQ75GPEQKRPWABYN63 |
|---|---|
| Applications received | 750 |
| Mortgages made | 541 |
| Denied | 61 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 139 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.055 points |
| FDIC-insured bank | Yes: CIBC Bank USA, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 439 | 6.125% | $285,000 | 10.0% |
| Refinancing | 34 | 5.756% | $965,000 | 8.1% |
| Cash-out refinancing | 25 | 5.625% | $805,000 | 13.8% |
| Other purposes | 43 | 5.875% | $805,000 | 8.5% |
Where CIBC Bank USA 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 |
|---|---|---|---|
| Cook County, IL | 184 | 6.250% | 14.4% |
| Palm Beach County, FL | 23 | 6.000% | 8.0% |
| Milwaukee County, WI | 23 | 6.250% | 17.9% |
| San Francisco County, CA | 19 | 6.625% | 9.5% |
| St. Louis County, MO | 17 | 5.750% | 5.3% |
| Will County, IL | 16 | 6.438% | 5.3% |
| DuPage County, IL | 12 | 6.325% | 7.7% |
| Lake County, IL | 12 | 6.188% | 7.7% |
| Kane County, IL | 9 | Under 10 loans | 0.0% |
| Wayne County, MI | 9 | Under 10 loans | 18.2% |
| Maricopa County, AZ | 7 | Under 10 loans | 0.0% |
| Fulton County, GA | 6 | Under 10 loans | 0.0% |
| Walworth County, WI | 6 | Under 10 loans | 0.0% |
| Lake County, IN | 5 | Under 10 loans | 0.0% |
| St. Louis city, MO | 5 | Under 10 loans | 16.7% |
| Travis County, TX | 5 | Under 10 loans | 0.0% |
| Waukesha County, WI | 5 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 4 | Under 10 loans | 0.0% |
| Riverside County, CA | 4 | Under 10 loans | 0.0% |
| San Diego County, CA | 4 | Under 10 loans | 0.0% |
| Lee County, FL | 4 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 4 | Under 10 loans | 0.0% |
| Sarasota County, FL | 4 | Under 10 loans | 0.0% |
| Norfolk County, MA | 4 | Under 10 loans | 0.0% |
| Pima County, AZ | 3 | Under 10 loans | 0.0% |
| Denver County, CO | 3 | Under 10 loans | 0.0% |
| Pitkin County, CO | 3 | Under 10 loans | 0.0% |
| Collier County, FL | 3 | Under 10 loans | 0.0% |
| Suffolk County, MA | 3 | Under 10 loans | 0.0% |
| Macomb County, MI | 3 | Under 10 loans | 0.0% |
| Oakland County, MI | 3 | Under 10 loans | 0.0% |
| New York County, NY | 3 | Under 10 loans | 25.0% |
| Mecklenburg County, NC | 3 | Under 10 loans | 0.0% |
| Davidson County, TN | 3 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 2 | Under 10 loans | 0.0% |
| Broward County, FL | 2 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 2 | Under 10 loans | 0.0% |
| Richmond County, GA | 2 | Under 10 loans | 0.0% |
| Carroll County, IL | 2 | Under 10 loans | 0.0% |
| McHenry County, IL | 2 | Under 10 loans | 0.0% |
| Montgomery County, MD | 2 | Under 10 loans | 33.3% |
| Hennepin County, MN | 2 | Under 10 loans | 0.0% |
| Clark County, NV | 2 | Under 10 loans | 0.0% |
| Saratoga County, NY | 2 | Under 10 loans | 0.0% |
| Wake County, NC | 2 | Under 10 loans | 0.0% |
| Franklin County, OH | 2 | Under 10 loans | 0.0% |
| Multnomah County, OR | 2 | Under 10 loans | 0.0% |
| Beaufort County, SC | 2 | Under 10 loans | 0.0% |
| Collin County, TX | 2 | Under 10 loans | 0.0% |
| Dallas County, TX | 2 | 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.