American Commercial Bank & Trust, National Association Mortgage Lending & HMDA Data, 2021
In 2021, American Commercial Bank & Trust, National Association of Ottawa, IL reported 1,118 mortgage applications totaling $292.4 million, down 24% from 2020. The average application was for $261,493, and applicants reported an average income of $153,474. 84% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Chicago-Naperville, IL (504), Elgin, IL (111) and Lake County-Kenosha County, IL-WI (45) (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 | 1,118 |
| Total Mortgage Loan Application Amount | $292,350,000 |
| Average Mortgage Loan Application Amount | $261,493 |
| Highest Mortgage Loan Application Amount | $3,395,000 |
| Average Applicant Income | $153,474 |
| Highest Applicant Income | $6,600,000 |
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Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 308 | $ 39,180,000 | $ 127,207 | $ 96,000 |
| Cook, Illinois | 183 | $ 63,995,000 | $ 349,699 | $ 202,000 |
| DuPage, Illinois | 119 | $ 46,845,000 | $ 393,655 | $ 201,000 |
| Will, Illinois | 112 | $ 27,940,000 | $ 249,464 | $ 124,000 |
| Grundy, Illinois | 74 | $ 12,830,000 | $ 173,378 | $ 95,000 |
| Kendall, Illinois | 52 | $ 11,760,000 | $ 226,153 | $ 118,000 |
| Lake, Illinois | 43 | $ 15,085,000 | $ 350,813 | $ 190,000 |
| Kane, Illinois | 39 | $ 14,725,000 | $ 377,564 | $ 139,000 |
| DeKalb, Illinois | 20 | $ 4,210,000 | $ 210,500 | $ 124,000 |
| Livingston, Illinois | 18 | $ 1,840,000 | $ 102,222 | $ 70,000 |
| McHenry, Illinois | 13 | $ 2,535,000 | $ 195,000 | $ 131,000 |
| Maricopa, Arizona | 6 | $ 4,310,000 | $ 718,333 | $ 253,000 |
| Collier, Florida | 6 | $ 2,300,000 | $ 383,333 | $ 179,000 |
| Lee, Florida | 6 | $ 4,740,000 | $ 790,000 | $ 1,557,000 |
| Lake, Indiana | 6 | $ 2,540,000 | $ 423,333 | $ 136,000 |
| Walworth, Wisconsin | 6 | $ 2,120,000 | $ 353,333 | $ 172,000 |
| Kankakee, Illinois | 5 | $ 4,695,000 | $ 939,000 | $ 209,000 |
| Putnam, Illinois | 5 | $ 815,000 | $ 163,000 | $ 579,000 |
| Berrien, Michigan | 5 | $ 2,015,000 | $ 403,000 | $ 216,000 |
| Pinellas, Florida | 4 | $ 1,580,000 | $ 395,000 | $ 261,000 |
| Porter, Indiana | 4 | $ 1,240,000 | $ 310,000 | $ 93,000 |
| Marshall, Illinois | 3 | $ 315,000 | $ 105,000 | $ 71,000 |
| Los Angeles, California | 2 | $ 660,000 | $ 330,000 | $ 1,373,000 |
| San Diego, California | 2 | $ 1,690,000 | $ 845,000 | $ 0 |
| Osceola, Florida | 2 | $ 370,000 | $ 185,000 | $ 102,000 |
| Carroll, Illinois | 2 | $ 410,000 | $ 205,000 | $ 208,000 |
| Lee, Illinois | 2 | $ 280,000 | $ 140,000 | $ 81,000 |
| McLean, Illinois | 2 | $ 160,000 | $ 80,000 | $ 37,000 |
| Winnebago, Illinois | 2 | $ 360,000 | $ 180,000 | $ 112,000 |
| Camden, Missouri | 2 | $ 320,000 | $ 160,000 | $ 133,000 |
| Otero, New Mexico | 2 | $ 330,000 | $ 165,000 | $ 179,000 |
| Greenville, South Carolina | 2 | $ 520,000 | $ 260,000 | $ 154,000 |
| Travis, Texas | 2 | $ 780,000 | $ 390,000 | $ 144,000 |
| Kenosha, Wisconsin | 2 | $ 300,000 | $ 150,000 | $ 84,000 |
| Baldwin, Alabama | 1 | $ 185,000 | $ 185,000 | $ 145,000 |
| Mohave, Arizona | 1 | $ 285,000 | $ 285,000 | $ 223,000 |
| Pima, Arizona | 1 | $ 295,000 | $ 295,000 | $ 114,000 |
| Baxter, Arkansas | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Sharp, Arkansas | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Denver, Colorado | 1 | $ 545,000 | $ 545,000 | $ 196,000 |
| Eagle, Colorado | 1 | $ 1,005,000 | $ 1,005,000 | $ 229,000 |
| Brevard, Florida | 1 | $ 115,000 | $ 115,000 | $ 45,000 |
| Palm Beach, Florida | 1 | $ 545,000 | $ 545,000 | $ 250,000 |
| St. Johns, Florida | 1 | $ 685,000 | $ 685,000 | $ 173,000 |
| Walton, Florida | 1 | $ 255,000 | $ 255,000 | $ 144,000 |
| Gilmer, Georgia | 1 | $ 545,000 | $ 545,000 | $ 120,000 |
| Greene, Georgia | 1 | $ 205,000 | $ 205,000 | $ 240,000 |
| Clearwater, Idaho | 1 | $ 175,000 | $ 175,000 | $ 86,000 |
| Bureau, Illinois | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Ford, Illinois | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Iroquois, Illinois | 1 | $ 55,000 | $ 55,000 | $ 80,000 |
| Madison, Illinois | 1 | $ 325,000 | $ 325,000 | $ 116,000 |
| Menard, Illinois | 1 | $ 95,000 | $ 95,000 | $ 454,000 |
| Peoria, Illinois | 1 | $ 85,000 | $ 85,000 | $ 89,000 |
| Pope, Illinois | 1 | $ 205,000 | $ 205,000 | $ 111,000 |
| Sangamon, Illinois | 1 | $ 185,000 | $ 185,000 | $ 133,000 |
| Stark, Illinois | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Stephenson, Illinois | 1 | $ 125,000 | $ 125,000 | $ 29,000 |
| Boone, Indiana | 1 | $ 485,000 | $ 485,000 | $ 146,000 |
| LaPorte, Indiana | 1 | $ 545,000 | $ 545,000 | $ 268,000 |
| Allen, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 144,000 |
| East Baton Rouge, Louisiana | 1 | $ 245,000 | $ 245,000 | $ 207,000 |
| Allegan, Michigan | 1 | $ 2,165,000 | $ 2,165,000 | $ 0 |
| Cass, Michigan | 1 | $ 455,000 | $ 455,000 | $ 538,000 |
| Van Buren, Michigan | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Ramsey, Minnesota | 1 | $ 145,000 | $ 145,000 | $ 79,000 |
| Scott, Minnesota | 1 | $ 135,000 | $ 135,000 | $ 79,000 |
| Stone, Missouri | 1 | $ 115,000 | $ 115,000 | $ 81,000 |
| New York, New York | 1 | $ 825,000 | $ 825,000 | $ 2,791,000 |
| Brunswick, North Carolina | 1 | $ 525,000 | $ 525,000 | $ 405,000 |
| Graham, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 94,000 |
| Henderson, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 65,000 |
| Iredell, North Carolina | 1 | $ 335,000 | $ 335,000 | $ 90,000 |
| Ashland, Ohio | 1 | $ 115,000 | $ 115,000 | $ 112,000 |
| Cuyahoga, Ohio | 1 | $ 335,000 | $ 335,000 | $ 106,000 |
| York, South Carolina | 1 | $ 135,000 | $ 135,000 | $ 160,000 |
| Franklin, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 64,000 |
| Salt Lake, Utah | 1 | $ 245,000 | $ 245,000 | $ 124,000 |
| King, Washington | 1 | $ 395,000 | $ 395,000 | $ 150,000 |
| Dane, Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 79,000 |
| Door, Wisconsin | 1 | $ 345,000 | $ 345,000 | $ 432,000 |
| Green Lake, Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 97,000 |
| Jefferson, Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 200,000 |
| Langlade, Wisconsin | 1 | $ 405,000 | $ 405,000 | $ 276,000 |
| Milwaukee, Wisconsin | 1 | $ 545,000 | $ 545,000 | $ 156,000 |
| Oneida, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 219,000 |
| Rock, Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 90,000 |
| Vilas, Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 209,000 |
Mortgage Loan Application Detail Totals for American Commercial Bank & Trust, National Association in 2021
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 | 470 | $123,810,000 | $263,000 | $2,615,000 | $172,000 | $4,559,000 |
| Home Purchase | 374 | $96,970,000 | $259,000 | $3,395,000 | $136,000 | $6,600,000 |
| Cash-out Refinancing | 271 | $69,865,000 | $257,000 | $3,105,000 | $145,000 | $2,724,000 |
| Home Improvement | 2 | $1,200,000 | $600,000 | $955,000 | $216,000 | $216,000 |
| Not Applicable | 1 | $505,000 | $505,000 | $505,000 | $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 | 829 | $201,595,000 | $243,000 | $2,615,000 | $155,000 | $6,600,000 |
| Not Provided | 174 | $46,250,000 | $265,000 | $1,355,000 | $172,000 | $2,724,000 |
| Hispanic | 52 | $8,420,000 | $161,000 | $545,000 | $97,000 | $460,000 |
| Not applicable | 29 | $28,275,000 | $975,000 | $3,395,000 | $0 | $0 |
| Asian | 16 | $5,070,000 | $316,000 | $1,305,000 | $151,000 | $393,000 |
| Black or African American | 10 | $1,220,000 | $122,000 | $425,000 | $84,000 | $172,000 |
| American Indian or Alaskan Native | 3 | $445,000 | $148,000 | $225,000 | $70,000 | $103,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $57,000 | $57,000 |
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) | 1,095 | $289,925,000 | $264,000 | $3,395,000 | $156,000 | $6,600,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $2,425,000 | $105,000 | $235,000 | $51,000 | $73,000 |
| 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 | 939 | $245,005,000 | $260,000 | $3,395,000 | $153,000 | $6,600,000 |
| Application Withdrawn By Applicant | 113 | $32,765,000 | $289,000 | $1,505,000 | $165,000 | $2,724,000 |
| File Closed For Incompleteness | 33 | $7,505,000 | $227,000 | $545,000 | $196,000 | $1,997,000 |
| Application Denied By Financial Institution | 26 | $5,670,000 | $218,000 | $675,000 | $89,000 | $384,000 |
| Application Approved But Not Accepted | 7 | $1,405,000 | $200,000 | $545,000 | $133,000 | $177,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,092 | $286,680,000 | $262,000 | $3,395,000 | $155,000 | $6,600,000 |
| Debt-To-Income Ratio | 13 | $3,495,000 | $268,000 | $675,000 | $72,000 | $129,000 |
| Collateral | 8 | $1,530,000 | $191,000 | $665,000 | $128,000 | $384,000 |
| Other | 3 | $435,000 | $145,000 | $285,000 | $67,000 | $107,000 |
| Unverifiable Information | 1 | $145,000 | $145,000 | $145,000 | $101,000 | $101,000 |
| Credit History | 1 | $65,000 | $65,000 | $65,000 | $55,000 | $55,000 |
| Credit Application Incomplete | 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 2021 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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