American Commercial Bank & Trust, National Association Mortgage Lending & HMDA Data, 2024
In 2024, American Commercial Bank & Trust, National Association of Ottawa, IL reported 246 mortgage applications totaling $102.7 million, up 15% from 2023. The average application was for $417,357, and applicants reported an average income of $227,713. 81% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Chicago-Naperville, IL (104), Elgin, IL (9) and Lake County-Kenosha County, IL-WI (7) (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 | 246 |
| Total Mortgage Loan Application Amount | $102,670,000 |
| Average Mortgage Loan Application Amount | $417,357 |
| Highest Mortgage Loan Application Amount | $15,405,000 |
| Average Applicant Income | $227,713 |
| Highest Applicant Income | $1,966,000 |
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Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 76 | $ 11,000,000 | $ 144,736 | $ 92,000 |
| Cook, Illinois | 57 | $ 28,755,000 | $ 504,473 | $ 312,000 |
| DuPage, Illinois | 20 | $ 12,230,000 | $ 611,500 | $ 389,000 |
| Will, Illinois | 17 | $ 6,615,000 | $ 389,117 | $ 184,000 |
| Lake, Illinois | 7 | $ 3,275,000 | $ 467,857 | $ 330,000 |
| Grundy, Illinois | 6 | $ 1,530,000 | $ 255,000 | $ 143,000 |
| Kendall, Illinois | 5 | $ 2,455,000 | $ 491,000 | $ 1,123,000 |
| Livingston, Illinois | 5 | $ 575,000 | $ 115,000 | $ 79,000 |
| McHenry, Illinois | 4 | $ 1,430,000 | $ 357,500 | $ 174,000 |
| Kane, Illinois | 3 | $ 16,695,000 | $ 5,565,000 | $ 251,000 |
| Peoria, Illinois | 3 | $ 995,000 | $ 331,666 | $ 110,000 |
| Berrien, Michigan | 3 | $ 2,065,000 | $ 688,333 | $ 578,000 |
| Craighead, Arkansas | 2 | $ 190,000 | $ 95,000 | $ 27,000 |
| Eagle, Colorado | 2 | $ 3,170,000 | $ 1,585,000 | $ 539,000 |
| Brevard, Florida | 2 | $ 380,000 | $ 190,000 | $ 111,000 |
| Bureau, Illinois | 2 | $ 160,000 | $ 80,000 | $ 141,000 |
| Dallas, Texas | 2 | $ 610,000 | $ 305,000 | $ 342,000 |
| Walworth, Wisconsin | 2 | $ 1,140,000 | $ 570,000 | $ 487,000 |
| Baldwin, Alabama | 1 | $ 1,005,000 | $ 1,005,000 | $ 652,000 |
| San Diego, California | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Collier, Florida | 1 | $ 245,000 | $ 245,000 | $ 114,000 |
| Lee, Florida | 1 | $ 245,000 | $ 245,000 | $ 260,000 |
| DeKalb, Illinois | 1 | $ 405,000 | $ 405,000 | $ 131,000 |
| Iroquois, Illinois | 1 | $ 195,000 | $ 195,000 | $ 335,000 |
| Knox, Illinois | 1 | $ 85,000 | $ 85,000 | $ 270,000 |
| Macon, Illinois | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Marshall, Illinois | 1 | $ 135,000 | $ 135,000 | $ 88,000 |
| Putnam, Illinois | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Rock Island, Illinois | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Tazewell, Illinois | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Cass, Indiana | 1 | $ 175,000 | $ 175,000 | $ 201,000 |
| Lake, Indiana | 1 | $ 225,000 | $ 225,000 | $ 95,000 |
| Marion, Indiana | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Miami, Kansas | 1 | $ 385,000 | $ 385,000 | $ 178,000 |
| Iron, Michigan | 1 | $ 125,000 | $ 125,000 | $ 118,000 |
| Hennepin, Minnesota | 1 | $ 765,000 | $ 765,000 | $ 254,000 |
| Wright, Minnesota | 1 | $ 585,000 | $ 585,000 | $ 870,000 |
| Harrison, Mississippi | 1 | $ 155,000 | $ 155,000 | $ 107,000 |
| Brunswick, North Carolina | 1 | $ 195,000 | $ 195,000 | $ 329,000 |
| Lucas, Ohio | 1 | $ 435,000 | $ 435,000 | $ 268,000 |
| Aiken, South Carolina | 1 | $ 195,000 | $ 195,000 | $ 75,000 |
| Williamson, Tennessee | 1 | $ 1,135,000 | $ 1,135,000 | $ 317,000 |
| Kenosha, Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 214,000 |
| Racine, Wisconsin | 1 | $ 485,000 | $ 485,000 | $ 304,000 |
| Sauk, Wisconsin | 1 | $ 345,000 | $ 345,000 | $ 318,000 |
| Vilas, Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for American Commercial Bank & Trust, National Association in 2024
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 | 181 | $83,035,000 | $458,000 | $15,405,000 | $235,000 | $1,966,000 |
| Refinancing | 37 | $13,155,000 | $355,000 | $1,005,000 | $227,000 | $852,000 |
| Cash-out Refinancing | 23 | $5,165,000 | $224,000 | $605,000 | $175,000 | $724,000 |
| Other Purpose | 3 | $225,000 | $75,000 | $115,000 | $201,000 | $290,000 |
| Home Improvement | 2 | $1,090,000 | $545,000 | $605,000 | $0 | $0 |
| 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 | 159 | $49,245,000 | $309,000 | $1,885,000 | $196,000 | $1,294,000 |
| Not Provided | 32 | $20,500,000 | $640,000 | $2,405,000 | $453,000 | $1,966,000 |
| Not applicable | 27 | $26,235,000 | $971,000 | $15,405,000 | $0 | $0 |
| Hispanic | 18 | $3,740,000 | $207,000 | $625,000 | $113,000 | $297,000 |
| Asian | 7 | $2,165,000 | $309,000 | $765,000 | $240,000 | $355,000 |
| Black or African American | 3 | $785,000 | $261,000 | $415,000 | $113,000 | $222,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 241 | $102,145,000 | $423,000 | $15,405,000 | $231,000 | $1,966,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $525,000 | $105,000 | $185,000 | $53,000 | $64,000 |
| 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 | 200 | $81,570,000 | $407,000 | $15,405,000 | $216,000 | $1,743,000 |
| Application Withdrawn By Applicant | 37 | $18,515,000 | $500,000 | $2,405,000 | $294,000 | $1,966,000 |
| Application Denied By Financial Institution | 7 | $1,065,000 | $152,000 | $255,000 | $82,000 | $223,000 |
| File Closed For Incompleteness | 2 | $1,520,000 | $760,000 | $1,005,000 | $524,000 | $600,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 239 | $101,605,000 | $425,000 | $15,405,000 | $232,000 | $1,966,000 |
| Collateral | 4 | $570,000 | $142,000 | $255,000 | $121,000 | $223,000 |
| Debt-To-Income Ratio | 2 | $390,000 | $195,000 | $215,000 | $27,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $37,000 | $37,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 Commercial Bank & Trust, National Association's 2024 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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