American Commercial Bank & Trust, National Association Mortgage Lending & HMDA Data, 2017
In 2017, American Commercial Bank & Trust, National Association of Ottawa, IL reported 314 mortgage applications totaling $42.9 million, down 24% from 2016. The average application was for $136,643, and applicants reported an average income of $89,108. 87% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (85), Elgin, IL (24) and Peoria, IL (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 | 314 |
| Total Mortgage Loan Application Amount | $42,906,000 |
| Average Mortgage Loan Application Amount | $136,643 |
| Highest Mortgage Loan Application Amount | $1,050,000 |
| Average Applicant Income | $89,108 |
| Highest Applicant Income | $1,521,000 |
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Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 175 | $ 17,448,000 | $ 99,702 | $ 70,000 |
| Kendall, Illinois | 30 | $ 6,873,000 | $ 229,100 | $ 103,000 |
| Will, Illinois | 27 | $ 4,143,000 | $ 153,444 | $ 84,000 |
| Grundy, Illinois | 21 | $ 3,714,000 | $ 176,857 | $ 94,000 |
| DeKalb, Illinois | 13 | $ 1,858,000 | $ 142,923 | $ 58,000 |
| Kane, Illinois | 11 | $ 3,321,000 | $ 301,909 | $ 372,000 |
| Livingston, Illinois | 8 | $ 793,000 | $ 99,125 | $ 58,000 |
| Bureau, Illinois | 6 | $ 707,000 | $ 117,833 | $ 62,000 |
| Cook, Illinois | 5 | $ 1,415,000 | $ 283,000 | $ 151,000 |
| Marshall, Illinois | 2 | $ 114,000 | $ 57,000 | $ 67,000 |
| St. Clair, Alabama | 1 | $ 330,000 | $ 330,000 | $ 117,000 |
| Collier, Florida | 1 | $ 208,000 | $ 208,000 | $ 162,000 |
| Flagler, Florida | 1 | $ 156,000 | $ 156,000 | $ 207,000 |
| Lee, Florida | 1 | $ 70,000 | $ 70,000 | $ 122,000 |
| DuPage, Illinois | 1 | $ 161,000 | $ 161,000 | $ 0 |
| McHenry, Illinois | 1 | $ 181,000 | $ 181,000 | $ 276,000 |
| Ogle, Illinois | 1 | $ 149,000 | $ 149,000 | $ 101,000 |
| Putnam, Illinois | 1 | $ 67,000 | $ 67,000 | $ 41,000 |
| Winnebago, Illinois | 1 | $ 178,000 | $ 178,000 | $ 67,000 |
| Woodford, Illinois | 1 | $ 36,000 | $ 36,000 | $ 47,000 |
| Camden, Missouri | 1 | $ 117,000 | $ 117,000 | $ 146,000 |
| Gaston, North Carolina | 1 | $ 56,000 | $ 56,000 | $ 70,000 |
| Franklin, Ohio | 1 | $ 316,000 | $ 316,000 | $ 116,000 |
| Grand, Utah | 1 | $ 242,000 | $ 242,000 | $ 117,000 |
| Dane, Wisconsin | 1 | $ 33,000 | $ 33,000 | $ 89,000 |
| Jefferson, Wisconsin | 1 | $ 220,000 | $ 220,000 | $ 166,000 |
Mortgage Loan Application Detail Totals for American Commercial Bank & Trust, National Association in 2017
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 186 | $23,322,000 | $125,000 | $412,000 | $72,000 | $333,000 |
| Refinancing | 126 | $19,564,000 | $155,000 | $1,050,000 | $115,000 | $1,521,000 |
| Home Improvement | 2 | $20,000 | $10,000 | $10,000 | $49,000 | $71,000 |
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 | 288 | $40,432,000 | $140,000 | $1,050,000 | $92,000 | $1,521,000 |
| Hispanic | 19 | $1,930,000 | $101,000 | $260,000 | $59,000 | $121,000 |
| Asian | 2 | $156,000 | $78,000 | $93,000 | $51,000 | $85,000 |
| Black or African American | 2 | $133,000 | $66,000 | $108,000 | $54,000 | $58,000 |
| Not Provided | 2 | $197,000 | $98,000 | $122,000 | $32,000 | $40,000 |
| Not applicable | 1 | $58,000 | $58,000 | $58,000 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 280 | $40,269,000 | $143,000 | $1,050,000 | $95,000 | $1,521,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $2,637,000 | $77,000 | $155,000 | $38,000 | $60,000 |
| 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 | 274 | $38,743,000 | $141,000 | $1,050,000 | $91,000 | $1,521,000 |
| Application Withdrawn By Applicant | 21 | $2,378,000 | $113,000 | $324,000 | $82,000 | $321,000 |
| Application Denied By Financial Institution | 16 | $1,357,000 | $84,000 | $157,000 | $60,000 | $108,000 |
| Application Approved But Not Accepted | 2 | $308,000 | $154,000 | $200,000 | $145,000 | $169,000 |
| File Closed For Incompleteness | 1 | $120,000 | $120,000 | $120,000 | $131,000 | $131,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 4 | $303,000 | $75,000 | $140,000 | $60,000 | $90,000 |
| Debt-To-Income Ratio | 4 | $370,000 | $92,000 | $144,000 | $48,000 | $89,000 |
| Collateral | 3 | $275,000 | $91,000 | $157,000 | $80,000 | $108,000 |
| Other | 3 | $176,000 | $58,000 | $70,000 | $44,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $233,000 | $116,000 | $127,000 | $74,000 | $91,000 |
| Mortgage Insurance Denied | 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 2017 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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