Applications / Mortgage Analytics / Lenders / Illinois / CIBM Bank
Champaign, IL · State non-member bank · FDIC · $825 million assets · 557 loans in 2025
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557
loans originated, 2025
764
applications, 2025
21
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CIBM Bank is an Illinois bank whose mortgage lending, mostly home purchases, fell 31% in 2025 while similar banks grew, though it gained share in Milwaukee.
It made 557 loans against 811 a year before, a fall of 31%, while similar lenders (state non-member banks making between half and twice as many loans) grew 9% and the whole market 10%. The data do not show why; less demand for its loans or a choice to lend less are possibilities. Its typical loan, $285,000, is larger than about four in five similar lenders'.
Outside Illinois, its main markets are in Wisconsin. In Milwaukee-Waukesha, WI, where it has lent since before 1990, it ranks 41 of 510 and its share rose to 0.6% from 0.4%. In Sheboygan, WI, it ranks 19 of 201 and its share fell to 1.6% from 1.9%; its smaller lending overall may be one reason.
9.3% of its loans are FHA (insured by the Federal Housing Administration) and 3.6% VA (guaranteed by the Department of Veterans Affairs), where similar lenders make almost none. 35.7% went to LMI (low- and moderate-income) borrowers, higher than about four in five similar lenders, and 17.8% were in majority-minority areas, against 8.0%.
Its denial rate on home-purchase applications, 5.1%, matches similar lenders'. Its typical rate, 6.62%, is a little below their 6.75%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CIBM Bank took 764 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.2% · Refinance 19.6% · Other 1.1% · Home improvement 0.2%
Conventional 86.7% · FHA 9.3% · VA 3.6% · USDA (RHS or FSA) 0.4% · of 557 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 | 272 | 48.8% |
| Wisconsin | 202 | 36.3% |
| Indiana | 27 | 4.8% |
| New Jersey | 14 | 2.5% |
| Massachusetts | 7 | 1.3% |
| Florida | 6 | 1.1% |
| Arizona | 5 | 0.9% |
| Connecticut | 3 | 0.5% |
| Rhode Island | 3 | 0.5% |
| Tennessee | 3 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 161 |
| Milwaukee-Waukesha | 123 |
| Sheboygan | 46 |
| Elgin | 37 |
| Lake County | 37 |
| Peoria | 24 |
| Lake County-Porter County-Jasper County | 16 |
| Indianapolis-Carmel-Greenwood | 8 |
| Appleton | 5 |
| Champaign-Urbana | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RIPPSJXAQKZ383 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 340742 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311729 | 1993–2017 |
Established 1 January 1921. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: CIBM Bank's data.
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