CBI Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
34th13.8% deniedPricingmedian rate spread over APOR, weight 30%
27th0.53 ptsProcesswithdrawn + incomplete share, weight 15%
69th7.6%Closing coststotal loan costs ÷ loan amount, weight 10%
16th3.14% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 858 | 681 | 12.5% | 13.4% | 7.50% | $97M |
| 2024 | 959 | 745 | 13.6% | 14.8% | 7.50% | $98M |
| 2025 | 984 | 772 | 12.7% | 13.8% | 7.13% | $108M |
What CBI Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 274 home-equity lines, 0 reverse mortgages, 7 manufactured homes, 222 investment properties.
Why CBI Bank & Trust denies applications
Primary reason reported for each of the 125 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at CBI Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 135 | 83 | 31.7% |
| $50k – $100k | 268 | 196 | 16.6% |
| $100k – $150k | 195 | 158 | 11.6% |
| $150k – $250k | 136 | 117 | 7.9% |
| Over $250k | 92 | 74 | 8.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 33 | 25 | 13.8% |
| 25–34 | 112 | 85 | 14.0% |
| 35–44 | 180 | 143 | 14.8% |
| 45–54 | 184 | 141 | 14.8% |
| 55–64 | 184 | 139 | 16.5% |
| 65–74 | 101 | 76 | 14.4% |
| Over 74 | 67 | 48 | 21.0% |
Where CBI Bank & Trust lends
12 states and 65 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
CBI Bank & Trust denied 13.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 34th percentile of small mortgage lenders.
The most common reason CBI Bank & Trust gave in 2025 was "debt-to-income ratio", cited on 44.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans CBI Bank & Trust originated in 2025 was 7.13%, and its median rate spread over the average prime offer rate was 0.53 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 40% of its applications were for home purchases, 31% for refinancing (including cash-out), and 29% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.