CIBM Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
75th4.6% deniedPricingmedian rate spread over APOR, weight 30%
55th0.23 ptsProcesswithdrawn + incomplete share, weight 15%
14th22.8%Closing coststotal loan costs ÷ loan amount, weight 10%
65th1.52% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,235 | 906 | 6.2% | 7.7% | 6.75% | $270M |
| 2024 | 1,086 | 811 | 3.8% | 4.8% | 7.00% | $255M |
| 2025 | 764 | 557 | 3.5% | 4.6% | 6.63% | $202M |
What CIBM Bank 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: 0 home-equity lines, 0 reverse mortgages, 8 manufactured homes, 34 investment properties.
Why CIBM Bank denies applications
Primary reason reported for each of the 27 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at CIBM Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 52 | 38 | 11.6% |
| $50k – $100k | 242 | 179 | 7.1% |
| $100k – $150k | 188 | 140 | 4.0% |
| $150k – $250k | 168 | 119 | 0.8% |
| Over $250k | 91 | 64 | 1.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 49 | 38 | 0.0% |
| 25–34 | 277 | 201 | 5.1% |
| 35–44 | 183 | 134 | 5.6% |
| 45–54 | 120 | 81 | 5.8% |
| 55–64 | 88 | 65 | 4.4% |
| 65–74 | 35 | 27 | 0.0% |
Where CIBM Bank lends
22 states and 95 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Illinois | 395 | 272 | 4.3% | 6.63% | #152 |
| Wisconsin | 243 | 202 | 1.7% | 6.63% | #134 |
| Indiana | 35 | 27 | 2.9% | 6.63% | #389 |
| New Jersey | 27 | 14 | 3.7% | 6.50% | #417 |
| Florida | 8 | 6 | 12.5% | 6.81% | #979 |
| Massachusetts | 8 | 7 | 12.5% | 6.63% | #472 |
| Arizona | 7 | 5 | 0.0% | 7.00% | #551 |
| Rhode Island | 6 | 3 | 0.0% | 6.25% | #232 |
| Tennessee | 6 | 3 | 0.0% | 7.00% | #717 |
Frequently asked questions
CIBM Bank denied 4.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 75th percentile of small mortgage lenders.
The most common reason CIBM Bank gave in 2025 was "debt-to-income ratio", cited on 40.7% 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 CIBM Bank originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.23 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 76% of its applications were for home purchases, 23% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 84% conventional, 12% FHA, 4% 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.