Applications / Mortgage Analytics / Lenders / Illinois / CIBC Bank USA
Chicago, IL · State member bank · FRS · $64.0 billion assets · 541 loans in 2025
CIBC Bank USA's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
541
loans originated, 2025
750
applications, 2025
31
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CIBC Bank USA is a Chicago-based purchase lender with large loans, which grew 14% in 2025 and lends more to low- and moderate-income (LMI) borrowers and areas than almost all similar banks.
It made 541 loans worth $1.13 billion, more dollars than nearly all similar lenders (state member banks making between half and twice as many loans), whose total is $158.8 million. Its typical loan is $345,000 and 21.0% are jumbo (larger than the conforming limit), against 1.7% for similar lenders. Its dollar total is far above what its typical loan suggests, so a few very large loans may account for much of it.
Its originations rose 14%, against 7% for similar lenders and 10% for the whole market. Purchases are 81.1% of its loans. It took 0.4% of the market in Columbus, OH and Raleigh-Cary, NC, and 0.2% in Austin, up from almost none a year before.
45.0% of its loans went to LMI (low- and moderate-income) borrowers and 29.2% were in LMI areas, both higher than nearly all similar lenders. 39.0% were in majority-minority areas, against 7.3%. FHA loans (insured by the Federal Housing Administration) are 13.5% of its lending, where similar lenders make almost none.
Its typical rate, 6.00%, is lower than nearly all similar lenders' (6.75%), and 0.2% of its loans were higher-priced (a rate well above the average for similar loans), against 2.4%. Its loan sizes and product mix may be part of the reason.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CIBC Bank USA took 750 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.1% · Refinance 10.9% · Other 6.1% · Home improvement 1.8%
Conventional 86.0% · FHA 13.5% · VA 0.6% · of 541 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 243 | 44.9% |
| Florida | 49 | 9.1% |
| Wisconsin | 41 | 7.6% |
| California | 36 | 6.7% |
| Missouri | 24 | 4.4% |
| Michigan | 18 | 3.3% |
| Texas | 15 | 2.8% |
| Georgia | 11 | 2.0% |
| Arizona | 10 | 1.8% |
| Massachusetts | 10 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 215 |
| Milwaukee-Waukesha | 32 |
| St. Louis | 24 |
| West Palm Beach-Boca Raton-Delray Beach | 23 |
| San Francisco-San Mateo-Redwood City | 20 |
| Lake County | 12 |
| Elgin | 10 |
| Detroit-Dearborn-Livonia | 9 |
| Atlanta-Sandy Springs-Roswell | 8 |
| Boston | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | FDXQ75GPEQKRPWABYN63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1842065 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 333306 | 1992–2010 |
| Respondent ID (the HMDA filer code before 2018) | 91842065 | 2011–2017 |
Established 6 February 1991. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: CIBC Bank USA's data.
CIBC Bank USA's data
$215
CIBC Bank USA and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy CIBC Bank USA's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]