CBI Bank & Trust in Illinois vs the state
13.1%Denial rate-4.03 pts vs state
14.1%Decision denial rate-7.63 pts vs state
78.6%Origination rate+19.82 pts vs state
7.25%Median rate+0.50 pts vs state
0.55Rate spread (pts)+0.17 pts vs state
$96kMedian applicant income
414Loans originated
69Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 455 | 361 | 13.4% | 7.62% | #123 |
| 2024 | 507 | 394 | 15.2% | 7.50% | #118 |
| 2025 | 527 | 414 | 13.1% | 7.25% | #122 |
What CBI Bank & Trust lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most CBI Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Knox County | 236 | 200 | 23 | 9.7% |
| Rock Island County | 88 | 68 | 12 | 13.6% |
| Mercer County | 49 | 34 | 10 | 20.4% |
| Peoria County | 39 | 30 | 4 | 10.3% |
| Henry County | 25 | 15 | 6 | 24.0% |
| Winnebago County | 21 | 15 | 3 | 14.3% |
| Warren County | 16 | 13 | 2 | 12.5% |
| Tazewell County | 12 | 10 | 1 | 8.3% |
| Stark County | 7 | 2 | 3 | 42.9% |
| Fulton County | 6 | 6 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 527 applications in 2025, of which 414 were originated and 69 denied.
13.1% of all applications, or 14.1% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans CBI Bank & Trust originated in Illinois in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are CBI Bank & Trust's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology