CBI Bank & Trust in Iowa vs the state
11.0%Denial rate-1.83 pts vs state
12.1%Decision denial rate-3.26 pts vs state
79.7%Origination rate+11.24 pts vs state
7.00%Median rate+0.50 pts vs state
0.49Rate spread (pts)+0.30 pts vs state
$110kMedian applicant income
318Loans originated
44Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 381 | 301 | 11.6% | 7.49% | #48 |
| 2024 | 398 | 310 | 11.3% | 7.50% | #59 |
| 2025 | 399 | 318 | 11.0% | 7.00% | #57 |
What CBI Bank & Trust lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most CBI Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Muscatine County | 173 | 140 | 20 | 11.6% |
| Scott County | 89 | 69 | 12 | 13.5% |
| Johnson County | 57 | 45 | 3 | 5.3% |
| Washington County | 22 | 15 | 5 | 22.7% |
| Cedar County | 11 | 8 | 0 | 0.0% |
| Louisa County | 11 | 11 | 0 | 0.0% |
| Henry County | 7 | 6 | 0 | 0.0% |
| Clinton County | 5 | 5 | 0 | 0.0% |
| Linn County | 4 | 4 | 0 | 0.0% |
| Iowa County | 4 | 3 | 1 | 25.0% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| Veridian Credit Union | B | 8,725 | 8.9% | 6.49% |
| Rocket Mortgage | C | 3,761 | 22.7% | 6.63% |
| Hills Bank and Trust | A | 3,434 | 6.1% | 6.25% |
| U.S. Bank | D | 2,720 | 25.7% | 7.00% |
| Dupaco Community | A | 2,669 | 16.1% | 7.00% |
| Community Choice Credit Union | B | 2,653 | 11.8% | 6.13% |
| Iowa Bankers Mortgage | B | 2,423 | 15.4% | 6.50% |
| Broker Solutions | D | 2,386 | 6.4% | 6.75% |
| Northwest Bank | A | 2,181 | 5.7% | 6.38% |
Frequently asked questions
Iowa: 399 applications in 2025, of which 318 were originated and 44 denied.
11.0% of all applications, or 12.1% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans CBI Bank & Trust originated in Iowa in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are CBI Bank & Trust's own HMDA filing for properties located in Iowa, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology