American Community Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, American Community Bank & Trust of Woodstock, IL reported 150 mortgage applications totaling $52.7 million, down 4% from 2012. The average application was for $351,033, and applicants reported an average income of $216,560. 97% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (117), Lake County-Kenosha County, IL-WI (11) and Rockford, IL (7) (applications in parentheses).
| Mortgage Company & Address | American Community Bank & Trust P.O. Box 1720 Woodstock, IL 60098 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 150 |
| Total Mortgage Loan Application Amount | $52,655,000 |
| Average Mortgage Loan Application Amount | $351,033 |
| Highest Mortgage Loan Application Amount | $4,880,000 |
| Average Applicant Income | $216,560 |
| Highest Applicant Income | $7,786,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Community Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| McHenry, Illinois | 87 | $ 25,330,000 | $ 291,149 | $ 238,000 |
| Cook, Illinois | 15 | $ 4,336,000 | $ 289,066 | $ 191,000 |
| Lake, Illinois | 11 | $ 6,504,000 | $ 591,272 | $ 69,000 |
| Kane, Illinois | 10 | $ 5,295,000 | $ 529,500 | $ 34,000 |
| DuPage, Illinois | 4 | $ 521,000 | $ 130,250 | $ 57,000 |
| Winnebago, Illinois | 4 | $ 587,000 | $ 146,750 | $ 103,000 |
| Walworth, Wisconsin | 4 | $ 3,867,000 | $ 966,750 | $ 420,000 |
| Boone, Illinois | 3 | $ 867,000 | $ 289,000 | $ 75,000 |
| Maricopa, Arizona | 1 | $ 445,000 | $ 445,000 | $ 2,540,000 |
| Orange, California | 1 | $ 936,000 | $ 936,000 | $ 1,064,000 |
| Larimer, Colorado | 1 | $ 100,000 | $ 100,000 | $ 69,000 |
| Collier, Florida | 1 | $ 193,000 | $ 193,000 | $ 383,000 |
| Monroe, Florida | 1 | $ 908,000 | $ 908,000 | $ 349,000 |
| DeKalb, Illinois | 1 | $ 116,000 | $ 116,000 | $ 18,000 |
| Worcester, Massachusetts | 1 | $ 374,000 | $ 374,000 | $ 0 |
| St. Joseph, Michigan | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Clark, Nevada | 1 | $ 1,046,000 | $ 1,046,000 | $ 0 |
| Madison, New York | 1 | $ 100,000 | $ 100,000 | $ 825,000 |
| Oneida, Wisconsin | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Vilas, Wisconsin | 1 | $ 765,000 | $ 765,000 | $ 0 |
Mortgage Loan Application Detail Totals for American Community Bank & Trust in 2013
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 123 | $44,917,000 | $365,000 | $4,880,000 | $221,000 | $7,786,000 |
| Home Purchase | 21 | $5,793,000 | $275,000 | $1,691,000 | $179,000 | $1,064,000 |
| Home Improvement | 6 | $1,945,000 | $324,000 | $960,000 | $257,000 | $825,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 116 | $31,647,000 | $272,000 | $1,708,000 | $274,000 | $7,786,000 |
| Not applicable | 30 | $20,032,000 | $667,000 | $4,880,000 | $0 | $0 |
| Hispanic | 3 | $312,000 | $104,000 | $154,000 | $39,000 | $56,000 |
| Asian | 1 | $664,000 | $664,000 | $664,000 | $614,000 | $614,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 150 | $52,655,000 | $351,000 | $4,880,000 | $216,000 | $7,786,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 145 | $52,004,000 | $358,000 | $4,880,000 | $222,000 | $7,786,000 |
| Application Approved But Not Accepted | 3 | $494,000 | $164,000 | $213,000 | $60,000 | $86,000 |
| Application Denied By Financial Institution | 2 | $157,000 | $78,000 | $115,000 | $31,000 | $35,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Community Bank & Trust's 2013 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess American Community Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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