CIBC Bank USA has 357 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Sound
3/5
Near-National · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
Jumbo
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in FHA and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
CIBC Bank USA performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+3.4 bps above market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
241 loans · 0.02% above market
Sound
Top 60% of lenders
3/5
FHA
56 loans · 0.47% above market
Strong
Top 40% of lenders
4/5
Jumbo
54 loans · 0.29% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
330 loans · 0.05% above market
Sound
Top 60% of lenders
3/5
Refinance
27 loans · 0.18% below market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Near-National · 4 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 241 | 67.5% | +0.024%Above | $606Credit | ||||
FHA Loans | 56 | 15.7% | +0.465%Above | $2,185Credit | ||||
Jumbo Loans | 54 | 15.1% | -0.287%Below | $1,186Fees |
Conventional
OverallSound
ProductSound
PricingExceptional
Pull ThroughAcceptable
Volume241
Mix67.5%
Spread
+0.024%Above
Fees
$606Credit
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume56
Mix15.7%
Spread
+0.465%Above
Fees
$2,185Credit
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume54
Mix15.1%
Spread
-0.287%Below
Fees
$1,186Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 330 | 92.4% | +0.051%Above | $677Credit | ||||
Refinance | 27 | 7.6% | -0.178%Below | $980Fees |
Purchase
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume330
Mix92.4%
Spread
+0.051%Above
Fees
$677Credit
Refinance
OverallSound
ProductAcceptable
PricingStrong
Pull ThroughSound
Volume27
Mix7.6%
Spread
-0.178%Below
Fees
$980Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
357
Applications
507
Volume
$179 million
Pricing & Closing
Avg Rate Spread
+0.034%
vs. market APOR
Avg Net Fees
$-558
Origination − Credits
Pullthrough Rate
70.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$503,235
Avg Borrower Income
$262,028
Avg Property Value
$721,303
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
28
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
28Full-year 2024 · HMDALoans originated
< 2020+None
Northeast6
CTMANJNYPAVT
Midwest7
ILINMIMNMOOHWI
South8
DCFLGANCSCTNTXVA
West7
AZCACOMTNVUTWA
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.