American Community Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, American Community Bank & Trust of Woodstock, IL reported 79 mortgage applications totaling $33.6 million, down 14% from 2018. The average application was for $425,379, and applicants reported an average income of $254,569. 96% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Chicago-Naperville, IL (56), Elgin, IL (15) and Lake County-Kenosha County, IL-WI (2) (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 | 79 |
| Total Mortgage Loan Application Amount | $33,605,000 |
| Average Mortgage Loan Application Amount | $425,379 |
| Highest Mortgage Loan Application Amount | $3,705,000 |
| Average Applicant Income | $254,569 |
| Highest Applicant Income | $2,018,000 |
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records American Community Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for American Community Bank & Trust in 2019
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 | 41 | $14,655,000 | $357,000 | $2,525,000 | $151,000 | $743,000 |
| Home Purchase | 25 | $11,545,000 | $461,000 | $2,605,000 | $457,000 | $2,018,000 |
| Cash-out Refinancing | 10 | $6,680,000 | $668,000 | $3,705,000 | $185,000 | $334,000 |
| Home Improvement | 3 | $725,000 | $241,000 | $615,000 | $215,000 | $275,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 41 | $14,715,000 | $358,000 | $3,705,000 | $247,000 | $2,018,000 |
| Not applicable | 34 | $17,870,000 | $525,000 | $2,525,000 | $0 | $0 |
| Hispanic | 2 | $530,000 | $265,000 | $435,000 | $349,000 | $353,000 |
| Asian | 1 | $235,000 | $235,000 | $235,000 | $162,000 | $162,000 |
| Not Provided | 1 | $255,000 | $255,000 | $255,000 | $213,000 | $213,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 79 | $33,605,000 | $425,000 | $3,705,000 | $249,000 | $2,018,000 |
| 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 | 76 | $32,750,000 | $430,000 | $3,705,000 | $260,000 | $2,018,000 |
| Application Withdrawn By Applicant | 2 | $750,000 | $375,000 | $615,000 | $152,000 | $275,000 |
| Application Denied By Financial Institution | 1 | $105,000 | $105,000 | $105,000 | $19,000 | $19,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 79 | $33,605,000 | $425,000 | $3,705,000 | $249,000 | $2,018,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Community Bank & Trust's 2019 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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