American Commercial Bank & Trust, National Association Mortgage Lending & HMDA Data, 2013
In 2013, American Commercial Bank & Trust, National Association of Ottawa, IL reported 355 mortgage applications totaling $46.1 million, down 6% from 2012. The average application was for $129,833, and applicants reported an average income of $98,560. 85% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (130), Peoria, IL (7) and Phoenix-Mesa-Glendale, AZ (3) (applications in parentheses).
| Mortgage Company & Address | American Commercial Bank & Trust, National Association 701 Lasalle St Ottawa, IL 61350 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 355 |
| Total Mortgage Loan Application Amount | $46,091,000 |
| Average Mortgage Loan Application Amount | $129,833 |
| Highest Mortgage Loan Application Amount | $414,000 |
| Average Applicant Income | $98,560 |
| Highest Applicant Income | $3,747,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Commercial Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| LaSalle, Illinois | 189 | $ 20,507,000 | $ 108,502 | $ 98,000 |
| Kendall, Illinois | 38 | $ 6,085,000 | $ 160,131 | $ 93,000 |
| Grundy, Illinois | 28 | $ 4,341,000 | $ 155,035 | $ 86,000 |
| DeKalb, Illinois | 17 | $ 2,037,000 | $ 119,823 | $ 74,000 |
| Will, Illinois | 17 | $ 2,658,000 | $ 156,352 | $ 124,000 |
| Cook, Illinois | 15 | $ 2,822,000 | $ 188,133 | $ 134,000 |
| Kane, Illinois | 10 | $ 2,220,000 | $ 222,000 | $ 123,000 |
| Bureau, Illinois | 7 | $ 608,000 | $ 86,857 | $ 54,000 |
| Livingston, Illinois | 5 | $ 441,000 | $ 88,200 | $ 65,000 |
| Marshall, Illinois | 5 | $ 463,000 | $ 92,600 | $ 31,000 |
| Maricopa, Arizona | 3 | $ 523,000 | $ 174,333 | $ 185,000 |
| McHenry, Illinois | 3 | $ 544,000 | $ 181,333 | $ 77,000 |
| DuPage, Illinois | 2 | $ 398,000 | $ 199,000 | $ 76,000 |
| Kankakee, Illinois | 2 | $ 208,000 | $ 104,000 | $ 74,000 |
| Peoria, Illinois | 2 | $ 230,000 | $ 115,000 | $ 74,000 |
| Santa Cruz, Arizona | 1 | $ 125,000 | $ 125,000 | $ 332,000 |
| Boone, Illinois | 1 | $ 260,000 | $ 260,000 | $ 194,000 |
| Jo Daviess, Illinois | 1 | $ 206,000 | $ 206,000 | $ 286,000 |
| Lake, Illinois | 1 | $ 64,000 | $ 64,000 | $ 170,000 |
| Lee, Illinois | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| McLean, Illinois | 1 | $ 56,000 | $ 56,000 | $ 67,000 |
| Putnam, Illinois | 1 | $ 148,000 | $ 148,000 | $ 67,000 |
| Johnson, Indiana | 1 | $ 149,000 | $ 149,000 | $ 80,000 |
| Polk, Iowa | 1 | $ 174,000 | $ 174,000 | $ 144,000 |
| Barron, Wisconsin | 1 | $ 140,000 | $ 140,000 | $ 256,000 |
| Dane, Wisconsin | 1 | $ 159,000 | $ 159,000 | $ 160,000 |
| Waukesha, Wisconsin | 1 | $ 400,000 | $ 400,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for American Commercial Bank & Trust, National Association 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 | 208 | $28,023,000 | $134,000 | $400,000 | $92,000 | $601,000 |
| Home Purchase | 145 | $17,994,000 | $124,000 | $414,000 | $109,000 | $3,747,000 |
| Home Improvement | 2 | $74,000 | $37,000 | $63,000 | $24,000 | $29,000 |
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 | 329 | $42,514,000 | $129,000 | $414,000 | $100,000 | $3,747,000 |
| Hispanic | 21 | $2,750,000 | $130,000 | $277,000 | $71,000 | $149,000 |
| Asian | 3 | $334,000 | $111,000 | $175,000 | $89,000 | $126,000 |
| Black or African American | 2 | $493,000 | $246,000 | $247,000 | $144,000 | $211,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 315 | $42,685,000 | $135,000 | $414,000 | $106,000 | $3,747,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $3,406,000 | $85,000 | $177,000 | $39,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 303 | $39,556,000 | $130,000 | $414,000 | $102,000 | $3,747,000 |
| Application Withdrawn By Applicant | 31 | $3,943,000 | $127,000 | $356,000 | $92,000 | $445,000 |
| Application Denied By Financial Institution | 21 | $2,592,000 | $123,000 | $313,000 | $64,000 | $190,000 |
| 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 | 8 | $1,176,000 | $147,000 | $313,000 | $56,000 | $159,000 |
| Credit History | 7 | $689,000 | $98,000 | $148,000 | $53,000 | $78,000 |
| Collateral | 5 | $511,000 | $102,000 | $213,000 | $88,000 | $190,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $216,000 | $216,000 | $216,000 | $77,000 | $77,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Commercial Bank & Trust, National Association'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 Commercial Bank & Trust, National Association'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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