American Commercial Bank & Trust, National Association Mortgage Lending & HMDA Data, 2019
In 2019, American Commercial Bank & Trust, National Association of Ottawa, IL reported 532 mortgage applications totaling $113.5 million, up 122% from 2018. The average application was for $213,364, and applicants reported an average income of $116,498. 85% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Chicago-Naperville, IL (194), Elgin, IL (59) and Lake County-Kenosha County, IL-WI (9) (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 | 532 |
| Total Mortgage Loan Application Amount | $113,510,000 |
| Average Mortgage Loan Application Amount | $213,364 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $116,498 |
| Highest Applicant Income | $3,000,000 |
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Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 216 | $ 25,960,000 | $ 120,185 | $ 80,000 |
| Will, Illinois | 61 | $ 20,435,000 | $ 335,000 | $ 112,000 |
| DuPage, Illinois | 49 | $ 17,685,000 | $ 360,918 | $ 135,000 |
| Cook, Illinois | 43 | $ 15,575,000 | $ 362,209 | $ 274,000 |
| Grundy, Illinois | 40 | $ 8,510,000 | $ 212,750 | $ 107,000 |
| Kendall, Illinois | 24 | $ 5,170,000 | $ 215,416 | $ 100,000 |
| DeKalb, Illinois | 20 | $ 4,200,000 | $ 210,000 | $ 86,000 |
| Kane, Illinois | 15 | $ 3,135,000 | $ 209,000 | $ 98,000 |
| Lake, Illinois | 9 | $ 2,975,000 | $ 330,555 | $ 194,000 |
| Livingston, Illinois | 9 | $ 845,000 | $ 93,888 | $ 55,000 |
| Bureau, Illinois | 6 | $ 1,240,000 | $ 206,666 | $ 130,000 |
| Kankakee, Illinois | 3 | $ 145,000 | $ 48,333 | $ 154,000 |
| McLean, Illinois | 3 | $ 445,000 | $ 148,333 | $ 95,000 |
| Pima, Arizona | 2 | $ 210,000 | $ 105,000 | $ 54,000 |
| Palm Beach, Florida | 2 | $ 1,110,000 | $ 555,000 | $ 293,000 |
| Pinellas, Florida | 2 | $ 1,050,000 | $ 525,000 | $ 353,000 |
| Presque Isle, Michigan | 2 | $ 270,000 | $ 135,000 | $ 49,000 |
| Vilas, Wisconsin | 2 | $ 310,000 | $ 155,000 | $ 170,000 |
| Walworth, Wisconsin | 2 | $ 240,000 | $ 120,000 | $ 122,000 |
| El Paso, Colorado | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Collier, Florida | 1 | $ 225,000 | $ 225,000 | $ 226,000 |
| Osceola, Florida | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Boone, Illinois | 1 | $ 205,000 | $ 205,000 | $ 97,000 |
| Champaign, Illinois | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Christian, Illinois | 1 | $ 185,000 | $ 185,000 | $ 208,000 |
| Marshall, Illinois | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| McHenry, Illinois | 1 | $ 235,000 | $ 235,000 | $ 87,000 |
| Mercer, Illinois | 1 | $ 145,000 | $ 145,000 | $ 66,000 |
| Putnam, Illinois | 1 | $ 45,000 | $ 45,000 | $ 26,000 |
| Porter, Indiana | 1 | $ 285,000 | $ 285,000 | $ 70,000 |
| Polk, Iowa | 1 | $ 385,000 | $ 385,000 | $ 344,000 |
| Scott, Iowa | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| Berrien, Michigan | 1 | $ 195,000 | $ 195,000 | $ 105,000 |
| Maury, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Brown, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 128,000 |
| Columbia, Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Green Lake, Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 550,000 |
| Juneau, Wisconsin | 1 | $ 295,000 | $ 295,000 | $ 246,000 |
| Marinette, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 118,000 |
| Racine, Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 0 |
Mortgage Loan Application Detail Totals for American Commercial Bank & Trust, National Association 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 255 | $43,265,000 | $169,000 | $1,255,000 | $96,000 | $1,041,000 |
| Refinancing | 162 | $48,060,000 | $296,000 | $2,505,000 | $150,000 | $3,000,000 |
| Cash-out Refinancing | 100 | $18,260,000 | $182,000 | $615,000 | $96,000 | $303,000 |
| Other Purpose | 12 | $2,810,000 | $234,000 | $705,000 | $259,000 | $550,000 |
| Home Improvement | 3 | $1,115,000 | $371,000 | $655,000 | $163,000 | $217,000 |
| 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 | 417 | $86,215,000 | $206,000 | $2,505,000 | $108,000 | $1,549,000 |
| Hispanic | 33 | $5,465,000 | $165,000 | $725,000 | $82,000 | $304,000 |
| Not applicable | 32 | $9,930,000 | $310,000 | $1,005,000 | $0 | $0 |
| Not Provided | 32 | $8,700,000 | $271,000 | $995,000 | $216,000 | $3,000,000 |
| Black or African American | 7 | $865,000 | $123,000 | $395,000 | $69,000 | $172,000 |
| Asian | 5 | $1,165,000 | $233,000 | $325,000 | $135,000 | $188,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $645,000 | $215,000 | $485,000 | $139,000 | $206,000 |
| American Indian or Alaskan Native | 1 | $135,000 | $135,000 | $135,000 | $148,000 | $148,000 |
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) | 506 | $111,470,000 | $220,000 | $2,505,000 | $117,000 | $3,000,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,040,000 | $78,000 | $175,000 | $44,000 | $76,000 |
| 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 | 454 | $98,450,000 | $216,000 | $2,505,000 | $114,000 | $3,000,000 |
| Application Withdrawn By Applicant | 54 | $10,890,000 | $201,000 | $655,000 | $115,000 | $415,000 |
| Application Denied By Financial Institution | 20 | $3,780,000 | $189,000 | $725,000 | $86,000 | $304,000 |
| Loan Purchased By The Institution | 4 | $390,000 | $97,000 | $135,000 | $50,000 | $50,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 496 | $106,260,000 | $214,000 | $2,505,000 | $114,000 | $3,000,000 |
| Not applicable | 30 | $5,880,000 | $196,000 | $585,000 | $103,000 | $415,000 |
| Collateral | 3 | $285,000 | $95,000 | $205,000 | $49,000 | $88,000 |
| Credit History | 3 | $1,085,000 | $361,000 | $425,000 | $115,000 | $148,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Commercial Bank & Trust, National Association'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 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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