Cibm Bank Mortgage Rates, Fees & Info

Champaign, IL

LEI: 549300RIPPSJXAQKZ383

Tax ID: 37-0158730

5 stars - Updated: 5/14/24 - out of 5 stars, based on 30 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Cibm Bank is a smaller bank specializing in Home Purchase loans. Cibm Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Chicago, Milwaukee, New York, Whitewater, and Sheboygan among others. We have data for 98 markets. (Some data included below & more in-depth data is available with an active subscription.)

Cibm Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Cibm Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.80% 5/14/24
30 Year Conventional Refi 6.60% 5/14/24
30 Year Cash-out Refi 6.84% 5/14/24
30 Year FHA Purchase 7.54% 5/14/24
30 Year VA Purchase 6.54% 5/14/24
30 Year VA Refi 6.43% 5/14/24
30 Year USDA Purchase 7.27% 5/14/24
15 Year Conventional Purchase 5.93% 5/14/24
15 Year Conventional Refi 5.95% 5/14/24
15 Year Cash-out Refi 5.95% 5/14/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Cibm Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Cibm Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

906

Origination Dollar Volume (All Markets)

$270,190,000

Awards

CIBM Bank FHA Loans silver CIBM Bank 30 Year Conventional Loans bronze CIBM Bank FHA Loans silver CIBM Bank FHA Loans silver
Show all (4) awards

Relative Rate

Cibm Bank's average 30 year fixed mortgage rate was 6.75%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.27%.

Relative Fees (Closing Costs)

Cibm Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $5,727.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 365 $106,635,000 $292,151 $6,222 6.75%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 96 $25,310,000 $263,646 $3,359 6.71%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 43 $20,715,000 $481,744 $7,242 6.74%
Whitewater, WI (FHA|USDA|VA) 20 $9,490,000 $474,500 $4,595 6.97%
SHEBOYGAN, WI (FHA|USDA|VA) 47 $9,025,000 $192,021 $3,169 6.72%
PEORIA, IL (FHA|USDA|VA) 65 $8,215,000 $126,385 $3,724 6.45%
WORCESTER, MA-CT (FHA|USDA|VA) 24 $7,950,000 $331,250 $6,405 6.92%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 11 $7,025,000 $638,636 $5,107 6.11%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 6 $6,580,000 $1,096,667 $4,014 6.93%
BLOOMINGTON, IL (FHA|USDA|VA) 10 $5,910,000 $591,000 $5,697 6.94%
SPRINGFIELD, MA (FHA|USDA|VA) 18 $4,260,000 $236,667 $7,247 6.94%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 12 $4,040,000 $336,667 $7,764 6.84%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 8 $3,490,000 $436,250 $8,706 7.22%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 7 $2,645,000 $377,857 $7,651 6.23%
Outside of Metro Areas 12 $2,480,000 $206,667 $4,520 7.16%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 7 $2,025,000 $289,286 $4,843 6.86%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $1,930,000 $482,500 $3,548 6.75%
ROCKFORD, IL (FHA|USDA|VA) 14 $1,930,000 $137,857 $5,352 6.69%
Lebanon, NH-VT (FHA|USDA|VA) 1 $1,835,000 $1,835,000 $9,719 4.38%
RACINE, WI (FHA|USDA|VA) 4 $1,810,000 $452,500 $5,055 6.97%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $1,790,000 $298,333 $5,318 6.63%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $1,725,000 $575,000 $9,072 7.13%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 5 $1,425,000 $285,000 $5,172 6.40%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 5 $1,365,000 $273,000 $7,946 5.80%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 3 $1,175,000 $391,667 $4,080 5.58%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $1,085,000 $361,667 $8,055 6.75%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $1,040,000 $520,000 $7,408 6.00%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $1,015,000 $338,333 $4,643 7.00%
MADISON, WI (FHA|USDA|VA) 2 $1,010,000 $505,000 $2,425 6.56%
DECATUR, IL (FHA|USDA|VA) 13 $975,000 $75,000 $2,641 4.27%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 4 $960,000 $240,000 $9,257 5.66%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $955,000 $955,000 $7,201 4.63%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $840,000 $420,000 $7,702 6.63%
Ottawa, IL (FHA|USDA|VA) 4 $730,000 $182,500 $5,608 6.41%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $725,000 $725,000 $5,740 7.50%
COLUMBUS, OH (FHA|USDA|VA) 1 $725,000 $725,000 $5,178 6.13%
FOND DU LAC, WI (FHA|USDA|VA) 3 $665,000 $221,667 $3,233 6.21%
SPRINGFIELD, IL (FHA|USDA|VA) 3 $605,000 $201,667 $3,926 6.62%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $600,000 $300,000 $8,463 6.82%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $595,000 $595,000 $6,343 7.50%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $585,000 $585,000 $5,042 7.50%
El Dorado, AR (FHA|USDA|VA) 1 $565,000 $565,000 $6,159 7.13%
Torrington, CT (FHA|USDA|VA) 1 $555,000 $555,000 $18,880 7.63%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $540,000 $270,000 $5,071 6.56%
PITTSFIELD, MA (FHA|USDA|VA) 2 $520,000 $260,000 $9,666 6.00%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $470,000 $235,000 $5,402 5.25%
Manitowoc, WI (FHA|USDA|VA) 3 $465,000 $155,000 $2,399 4.63%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $465,000 $465,000 $17,097 5.75%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $455,000 $455,000 $0 5.63%
COLUMBIA, SC (FHA|USDA|VA) 1 $425,000 $425,000 $10,965 6.63%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $405,000 $405,000 $12,041 7.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $400,000 $200,000 $6,615 6.56%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $395,000 $395,000 $4,601 7.50%
RICHMOND, VA (FHA|USDA|VA) 1 $395,000 $395,000 $3,937 7.13%
GOLDSBORO, NC (FHA|USDA|VA) 1 $395,000 $395,000 $7,053 7.50%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $385,000 $385,000 $6,157 5.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $385,000 $385,000 $8,703 6.88%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $385,000 $385,000 $5,557 7.38%
Seneca, SC (FHA|USDA|VA) 1 $385,000 $385,000 $7,595 6.88%
THE VILLAGES, FL (FHA|USDA|VA) 1 $375,000 $375,000 $4,933 6.25%
Galesburg, IL (FHA|USDA|VA) 1 $365,000 $365,000 $4,581 7.38%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $365,000 $365,000 $4,298 7.00%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $360,000 $180,000 $2,365 6.94%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $345,000 $345,000 $5,445 6.63%
KNOXVILLE, TN (FHA|USDA|VA) 1 $345,000 $345,000 $4,532 7.50%
KANKAKEE, IL (FHA|USDA|VA) 1 $335,000 $335,000 $11,260 7.75%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $315,000 $315,000 $4,801 5.63%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $315,000 $315,000 $6,385 6.50%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $295,000 $295,000 $11,573 6.75%
McMinnville, TN (FHA|USDA|VA) 1 $295,000 $295,000 $9,295 7.13%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $295,000 $295,000 $7,336 7.50%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $295,000 $295,000 $3,536 6.13%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $285,000 $285,000 $6,556 6.63%
Sevierville, TN (FHA|USDA|VA) 1 $275,000 $275,000 $4,377 7.50%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $225,000 $225,000 $2,999 6.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $205,000 $205,000 $7,695 7.50%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $205,000 $205,000 $6,290 6.50%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $205,000 $205,000 $2,992 7.38%
OCALA, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,847 6.50%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $195,000 $195,000 $6,663 6.12%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $195,000 $195,000 $1,902 6.38%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $175,000 $175,000 $4,330 4.75%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $175,000 $175,000 $3,988 4.75%
APPLETON, WI (FHA|USDA|VA) 1 $175,000 $175,000 $6,012 7.63%
Beaver Dam, WI (FHA|USDA|VA) 1 $165,000 $165,000 $2,283 6.00%
Marquette, MI (FHA|USDA|VA) 1 $155,000 $155,000 $2,760 6.38%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $145,000 $145,000 $4,101 8.00%
Pontiac, IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,308 7.50%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $125,000 $125,000 $3,251 7.63%
Lincoln, IL (FHA|USDA|VA) 1 $125,000 $125,000 $3,307 6.38%
Sterling, IL (FHA|USDA|VA) 1 $115,000 $115,000 $4,407 6.75%
Platteville, WI (FHA|USDA|VA) 1 $105,000 $105,000 $2,802 7.13%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.99%
Freeport, IL (FHA|USDA|VA) 1 $95,000 $95,000 $3,206 6.50%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $95,000 $95,000 $0 7.13%
DANVILLE, IL (FHA|USDA|VA) 1 $55,000 $55,000 $2,061 7.00%
Macomb, IL (FHA|USDA|VA) 1 $45,000 $45,000 $2,595 6.38%
Escanaba, MI (FHA|USDA|VA) 1 $35,000 $35,000 $1,728 6.50%
Cibm Bank's top markets include Chicago, Milwaukee, New York, Whitewater, and Sheboygan among others.

Their top states include:
  • Illinois (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 753 $231,185,000 $307,019 $4,742 6.66%
    FHA 130 $30,960,000 $238,154 $9,080 6.68%
    VA 22 $7,780,000 $353,636 $7,706 6.67%
    USDA 1 $265,000 $265,000 $6,224 6.38%

    For 2023, Cibm Bank's most frequently originated type of loan was Conventional, with 753 originations. Their 2nd most popular type was FHA, with 130 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 804 $231,680,000 $288,159 $5,626 6.64%
    Cash Out Refi 52 $20,530,000 $394,808 $5,273 6.70%
    Refi 24 $14,430,000 $601,250 $4,565 6.68%
    Home Improvement 13 $1,355,000 $104,231 $1,451 7.36%
    Other 13 $2,195,000 $168,846 $2,088 7.16%

    For 2023, Cibm Bank's most frequently cited loan purpose was Home Purchase, with 804 originations. The 2nd most popular reason was Cash Out Refi, with 52 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 817 $234,595,000 $287,142 $5,727 6.75%
    15 Year 54 $15,010,000 $277,963 $3,484 6.15%
    10 Year 14 $1,200,000 $85,714 $429 5.15%
    5 Year 10 $11,550,000 $1,155,000 $0 3.89%
    Other 10 $7,470,000 $747,000 $0 7.49%
    20 Year 1 $365,000 $365,000 $4,298 7.00%

    For 2023, Cibm Bank's most frequently cited loan duration was 30 Year, with 817 originations. The 2nd most popular length was 15 Year, with 54 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 398 $119,090,000 $299,221
    $<1k 154 $29,640,000 $192,468
    $2k-3k 154 $41,160,000 $267,273
    $3k-4k 73 $23,365,000 $320,068
    $4k-5k 40 $15,060,000 $376,500
    $5k+ 35 $14,755,000 $421,571

    Cibm Bank's average total fees were $5,727, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 398 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 388 $109,470,000 $282,139
    7-8% 295 $89,625,000 $303,814
    5-6% 155 $44,785,000 $288,935
    Over 8% 32 $14,140,000 $441,875
    4-5% 27 $12,125,000 $449,074
    <2.5% 9 $45,000 $5,000

    During 2023, Cibm Bank's average interest rate for loans was 6.75%, while their most frequently originated rate bucket for loans was 6-7%, with 388 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 418 $119,870,000 $286,770 $6,096 6.80%
    $100k-200k 242 $36,700,000 $151,653 $4,461 6.68%
    $400k-600k 108 $52,060,000 $482,037 $7,066 6.70%
    $100,000 or less 83 $4,785,000 $57,651 $2,105 5.95%
    $600k-1MM 40 $28,070,000 $701,750 $6,142 6.54%
    $1MM+ 15 $28,705,000 $1,913,667 $10,489 6.77%

    2023 saw Cibm Bank place emphasis on $200k-400k loans with 418 originations, totaling $119,870,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 206 $60,830,000 $295,291 $6,004 6.86%
    $50k-75k 183 $33,265,000 $181,776 $5,250 6.43%
    $150k-250k 163 $61,145,000 $375,123 $5,615 6.86%
    $75k-100k 159 $35,635,000 $224,119 $5,197 6.71%
    $50k or less 97 $11,965,000 $123,351 $4,683 6.35%
    $250k+ 89 $48,545,000 $545,449 $5,922 6.59%

    Cibm Bank lent most frequently to those with incomes in the $100k-150k range, with 206 originations. The second most popular income band? $50k-75k, with 183 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 164 $40,930,000 $249,573 $4,583 6.76%
    20-30% 139 $45,045,000 $324,065 $4,558 6.52%
    <20% 53 $11,695,000 $220,660 $3,800 6.08%
    44% 52 $14,510,000 $279,038 $6,432 6.63%
    39% 48 $13,550,000 $282,292 $5,427 6.82%
    50-60% 45 $13,735,000 $305,222 $9,702 6.82%
    43% 43 $13,115,000 $305,000 $5,318 6.85%
    49% 43 $9,985,000 $232,209 $6,253 6.80%
    42% 40 $10,980,000 $274,500 $5,204 6.50%
    41% 40 $11,590,000 $289,750 $5,432 6.61%
    38% 38 $12,320,000 $324,211 $5,737 6.69%
    40% 34 $8,650,000 $254,412 $5,594 6.64%
    36% 31 $9,675,000 $312,097 $5,285 6.48%
    37% 31 $9,555,000 $308,226 $6,234 6.57%
    48% 27 $6,325,000 $234,259 $5,284 6.94%
    47% 26 $7,450,000 $286,538 $6,883 7.02%
    46% 22 $6,460,000 $293,636 $6,825 6.80%
    45% 20 $5,490,000 $274,500 $5,662 6.95%
    >60% 1 $325,000 $325,000 $4,938 5.50%

    Cibm Bank lent most frequently to those with DTI ratios of 30-36%, with 164 originations. The next most common DTI ratio? 20-30%, with 139 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 703 $200,685,000 $285,469 $5,304 6.67%
    Not applicable 8 $17,390,000 $2,173,750 $0 7.05%
    Not provided 65 $17,195,000 $264,538 $5,406 6.59%
    Black 65 $16,335,000 $251,308 $6,892 6.70%
    Asian 50 $13,490,000 $269,800 $5,965 6.55%
    Other Asian 7 $1,655,000 $236,429 $5,534 6.59%
    Asian Indian 3 $1,245,000 $415,000 $6,668 6.38%
    Korean 2 $1,180,000 $590,000 $8,708 6.31%
    Other Pacific Islander 1 $565,000 $565,000 $6,159 7.13%
    American Indian 1 $305,000 $305,000 $4,747 7.38%
    Chinese 1 $145,000 $145,000 $4,287 7.13%

    Approval Rates

    Total approvals of all applications
    93.85%

    Cibm Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    74.28%

    Cibm Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 906 $270,190,000 $298,223

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    906 $270,190,000 $298,223

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 30 $4,860,000 $162,000 $3,308 6.59%
    40-60% 97 $36,245,000 $373,660 $4,371 6.55%
    60-80% 280 $95,490,000 $341,036 $5,229 6.76%
    80-100% 468 $131,940,000 $281,923 $6,210 6.75%
    Over 100% 3 $925,000 $308,333 $12,702 6.96%
    Under 20% 28 $730,000 $26,071 $81 4.75%