American Commercial Bank & Trust, National Association Mortgage Lending & HMDA Data, 2020
In 2020, American Commercial Bank & Trust, National Association of Ottawa, IL reported 1,472 mortgage applications totaling $347.6 million, up 177% from 2019. The average application was for $236,134, and applicants reported an average income of $140,391. 90% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Chicago-Naperville, IL (687), Elgin, IL (176) and Lake County-Kenosha County, IL-WI (49) (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 | 1,472 |
| Total Mortgage Loan Application Amount | $347,590,000 |
| Average Mortgage Loan Application Amount | $236,134 |
| Highest Mortgage Loan Application Amount | $6,005,000 |
| Average Applicant Income | $140,391 |
| Highest Applicant Income | $4,135,000 |
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Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville, IL | 687 | $ 191,125,000 | $ 278,202 | $ 152,000 |
| Outside any metro area | 465 | $ 67,425,000 | $ 145,000 | $ 88,692 |
| Elgin, IL | 176 | $ 38,420,000 | $ 218,295 | $ 153,000 |
| Lake County-Kenosha County, IL-WI | 49 | $ 19,075,000 | $ 389,285 | $ 361,918 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 8,240,000 | $ 1,373,333 | $ 211,000 |
| St. Louis, MO-IL | 6 | $ 1,110,000 | $ 185,000 | $ 83,666 |
| Bloomington, IL | 5 | $ 975,000 | $ 195,000 | $ 109,000 |
| Gary, IN | 5 | $ 1,885,000 | $ 377,000 | $ 132,000 |
| Kankakee, IL | 5 | $ 1,205,000 | $ 241,000 | $ 126,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 1,575,000 | $ 315,000 | $ 112,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 940,000 | $ 235,000 | $ 1,181,000 |
| Peoria, IL | 4 | $ 410,000 | $ 102,500 | $ 70,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 665,000 | $ 221,666 | $ 85,000 |
| Niles-Benton Harbor, MI | 3 | $ 1,015,000 | $ 338,333 | $ 239,000 |
| Columbus, OH | 2 | $ 510,000 | $ 255,000 | $ 131,000 |
| Des Moines-West Des Moines, IA | 2 | $ 520,000 | $ 260,000 | $ 234,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 280,000 | $ 140,000 | $ 90,000 |
| Jacksonville, FL | 2 | $ 700,000 | $ 350,000 | $ 138,000 |
| Madison, WI | 2 | $ 760,000 | $ 380,000 | $ 434,000 |
| Michigan City-La Porte, IN | 2 | $ 680,000 | $ 340,000 | $ 169,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 720,000 | $ 360,000 | $ 361,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 420,000 | $ 210,000 | $ 84,000 |
| Rockford, IL | 2 | $ 190,000 | $ 95,000 | $ 33,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 990,000 | $ 495,000 | $ 183,000 |
| Ann Arbor, MI | 1 | $ 195,000 | $ 195,000 | $ 99,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 275,000 | $ 275,000 | $ 541,000 |
| Austin-Round Rock, TX | 1 | $ 295,000 | $ 295,000 | $ 255,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 255,000 | $ 255,000 | $ 131,000 |
| Brunswick, GA | 1 | $ 1,305,000 | $ 1,305,000 | $ 3,000 |
| Champaign-Urbana, IL | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 285,000 | $ 285,000 | $ 324,000 |
| Columbus, GA-AL | 1 | $ 115,000 | $ 115,000 | $ 155,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 115,000 | $ 115,000 | $ 77,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 105,000 | $ 105,000 | $ 68,000 |
| Goldsboro, NC | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Kalamazoo-Portage, MI | 1 | $ 435,000 | $ 435,000 | $ 365,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 115,000 | $ 115,000 | $ 151,000 |
| Knoxville, TN | 1 | $ 165,000 | $ 165,000 | $ 33,000 |
| Lancaster, PA | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 485,000 | $ 485,000 | $ 120,000 |
| New Orleans-Metairie, LA | 1 | $ 235,000 | $ 235,000 | $ 83,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 275,000 | $ 275,000 | $ 150,000 |
| Pittsburgh, PA | 1 | $ 215,000 | $ 215,000 | $ 71,000 |
| Richmond, VA | 1 | $ 235,000 | $ 235,000 | $ 134,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 235,000 | $ 235,000 | $ 142,000 |
| San Diego-Carlsbad, CA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Savannah, GA | 1 | $ 305,000 | $ 305,000 | $ 114,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 555,000 | $ 555,000 | $ 176,000 |
| Springfield, IL | 1 | $ 125,000 | $ 125,000 | $ 32,000 |
| Tucson, AZ | 1 | $ 85,000 | $ 85,000 | $ 220,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 295,000 | $ 295,000 | $ 113,000 |
| Wichita, KS | 1 | $ 245,000 | $ 245,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for American Commercial Bank & Trust, National Association in 2020
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 | 842 | $204,320,000 | $242,000 | $6,005,000 | $151,000 | $4,135,000 |
| Home Purchase | 350 | $74,100,000 | $211,000 | $2,035,000 | $110,000 | $3,112,000 |
| Cash-out Refinancing | 271 | $63,445,000 | $234,000 | $3,205,000 | $148,000 | $862,000 |
| Other Purpose | 7 | $4,975,000 | $710,000 | $2,775,000 | $95,000 | $144,000 |
| Home Improvement | 1 | $605,000 | $605,000 | $605,000 | $132,000 | $132,000 |
| Not Applicable | 1 | $145,000 | $145,000 | $145,000 | $110,000 | $110,000 |
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 | 1,144 | $253,860,000 | $221,000 | $2,005,000 | $132,000 | $4,135,000 |
| Not Provided | 219 | $56,675,000 | $258,000 | $3,205,000 | $195,000 | $3,112,000 |
| Hispanic | 46 | $8,490,000 | $184,000 | $515,000 | $112,000 | $737,000 |
| Asian | 22 | $5,000,000 | $227,000 | $515,000 | $127,000 | $344,000 |
| Not applicable | 22 | $19,530,000 | $887,000 | $6,005,000 | $0 | $0 |
| Black or African American | 7 | $1,485,000 | $212,000 | $435,000 | $101,000 | $181,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,035,000 | $207,000 | $245,000 | $107,000 | $130,000 |
| 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) | 1,433 | $343,805,000 | $239,000 | $6,005,000 | $143,000 | $4,135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $3,785,000 | $97,000 | $175,000 | $44,000 | $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 | 1,329 | $312,305,000 | $234,000 | $6,005,000 | $141,000 | $4,135,000 |
| Application Withdrawn By Applicant | 87 | $20,905,000 | $240,000 | $1,205,000 | $130,000 | $521,000 |
| Application Denied By Financial Institution | 33 | $6,615,000 | $200,000 | $945,000 | $90,000 | $272,000 |
| File Closed For Incompleteness | 19 | $7,025,000 | $369,000 | $1,245,000 | $231,000 | $1,094,000 |
| Application Approved But Not Accepted | 4 | $740,000 | $185,000 | $455,000 | $261,000 | $763,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1,472 | $347,590,000 | $236,000 | $6,005,000 | $140,000 | $4,135,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2020 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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