Lender profile · HMDA 2023–2025
CIBC Bank USA mortgage approval rates & lending data
CIBC Bank USA decided 1,409 mortgage applications and funded 1,216 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 998 / 1,143 | 99% | $265K | 986 |
| Cash-out refinance | 90% | 44 / 49 | 100% | $435K | 44 |
| Refinance | 81% | 26 / 32 | 100% | $545K | 26 |
| Investment property purchase | 88% | 129 / 146 | 100% | $525K | 129 |
CIBC Bank USA lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 86% | $265K | 812 | 687 |
| Florida | 82% | $205K | 103 | 84 |
| Wisconsin | 80% | $205K | 95 | 76 |
| Michigan | 84% | $135K | 63 | 53 |
| California | 95% | $285K | 61 | 58 |
| Texas | 100% | $485K | 34 | 34 |
| Missouri | 93% | $185K | 28 | 26 |
| Arizona | 88% | $495K | 26 | 23 |
| Massachusetts | 96% | $885K | 23 | 22 |
| Georgia | 100% | $745K | 20 | 20 |
| Indiana | 94% | $275K | 18 | 17 |
| New York | 94% | $615K | 18 | 17 |
| Colorado | 94% | $1M | 16 | 15 |
| North Carolina | 100% | $515K | 11 | 11 |
| Washington | 90% | $1.50M | 10 | 9 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.