American Community Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, American Community Bank & Trust of Woodstock, IL reported 60 mortgage applications totaling $33.5 million, up 67% from 2024. The average application was for $558,000, and applicants reported an average income of $660,283. 92% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Chicago-Naperville, IL (29), Elgin, IL (10) and Florence-Muscle Shoals, AL (3) (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 | 2025 2024 2023 |
| Total Number of Mortgage Applications | 60 |
| Total Mortgage Loan Application Amount | $33,480,000 |
| Average Mortgage Loan Application Amount | $558,000 |
| Highest Mortgage Loan Application Amount | $4,665,000 |
| Average Applicant Income | $660,283 |
| Highest Applicant Income | $3,993,000 |
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records American Community Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2025
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 | 29 | $12,255,000 | $422,000 | $1,585,000 | $1,081,000 | $3,993,000 |
| Home Purchase | 18 | $16,080,000 | $893,000 | $4,665,000 | $334,000 | $586,000 |
| Cash-out Refinancing | 8 | $4,050,000 | $506,000 | $2,005,000 | $142,000 | $248,000 |
| Home Improvement | 4 | $690,000 | $172,000 | $355,000 | $180,000 | $360,000 |
| Other Purpose | 1 | $405,000 | $405,000 | $405,000 | $400,000 | $400,000 |
| Not Applicable | 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 | 29 | $14,775,000 | $509,000 | $2,005,000 | $608,000 | $2,534,000 |
| Not applicable | 25 | $17,085,000 | $683,000 | $4,665,000 | $0 | $0 |
| Not Provided | 2 | $380,000 | $190,000 | $275,000 | $92,000 | $171,000 |
| Asian | 2 | $710,000 | $355,000 | $355,000 | $165,000 | $165,000 |
| Hispanic | 2 | $530,000 | $265,000 | $285,000 | $3,993,000 | $3,993,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 60 | $33,480,000 | $558,000 | $4,665,000 | $657,000 | $3,993,000 |
| 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 | 55 | $31,845,000 | $579,000 | $4,665,000 | $708,000 | $3,993,000 |
| Application Withdrawn By Applicant | 4 | $990,000 | $247,000 | $405,000 | $194,000 | $400,000 |
| Application Denied By Financial Institution | 1 | $645,000 | $645,000 | $645,000 | $0 | $0 |
| 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 | 60 | $33,480,000 | $558,000 | $4,665,000 | $657,000 | $3,993,000 |
| 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 2025 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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