American Commercial Bank & Trust, National Association Mortgage Lending & HMDA Data, 2022
In 2022, American Commercial Bank & Trust, National Association of Ottawa, IL reported 288 mortgage applications totaling $89.7 million, down 74% from 2021. The average application was for $311,388, and applicants reported an average income of $187,520. 85% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Chicago-Naperville, IL (93), Elgin, IL (16) and Lake County-Kenosha County, IL-WI (15) (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 | 288 |
| Total Mortgage Loan Application Amount | $89,680,000 |
| Average Mortgage Loan Application Amount | $311,388 |
| Highest Mortgage Loan Application Amount | $2,555,000 |
| Average Applicant Income | $187,520 |
| Highest Applicant Income | $2,546,000 |
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Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 125 | $ 17,685,000 | $ 141,480 | $ 99,600 |
| Chicago-Naperville, IL | 93 | $ 43,045,000 | $ 462,849 | $ 241,000 |
| Elgin, IL | 16 | $ 3,420,000 | $ 213,750 | $ 104,000 |
| Lake County-Kenosha County, IL-WI | 15 | $ 5,345,000 | $ 356,333 | $ 484,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,405,000 | $ 281,000 | $ 182,000 |
| Gary, IN | 5 | $ 1,285,000 | $ 257,000 | $ 194,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 3,045,000 | $ 1,015,000 | $ 872,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 795,000 | $ 265,000 | $ 210,000 |
| San Diego-Carlsbad, CA | 3 | $ 3,175,000 | $ 1,058,333 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 475,000 | $ 475,000 | $ 193,000 |
| Cedar Rapids, IA | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Columbia, SC | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 205,000 | $ 205,000 | $ 365,000 |
| Fort Worth-Arlington, TX | 1 | $ 475,000 | $ 475,000 | $ 187,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 355,000 | $ 355,000 | $ 131,000 |
| Niles-Benton Harbor, MI | 1 | $ 465,000 | $ 465,000 | $ 622,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 645,000 | $ 645,000 | $ 273,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 265,000 | $ 265,000 | $ 99,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 355,000 | $ 355,000 | $ 128,000 |
| Punta Gorda, FL | 1 | $ 645,000 | $ 645,000 | $ 521,000 |
| Raleigh, NC | 1 | $ 285,000 | $ 285,000 | $ 81,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 1,345,000 | $ 1,345,000 | $ 554,000 |
| Salinas, CA | 1 | $ 2,555,000 | $ 2,555,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 645,000 | $ 645,000 | $ 540,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Tulsa, OK | 1 | $ 275,000 | $ 275,000 | $ 244,000 |
Mortgage Loan Application Detail Totals for American Commercial Bank & Trust, National Association in 2022
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 | 175 | $44,215,000 | $252,000 | $1,345,000 | $146,000 | $2,546,000 |
| Refinancing | 60 | $28,390,000 | $473,000 | $2,055,000 | $270,000 | $1,231,000 |
| Cash-out Refinancing | 48 | $12,900,000 | $268,000 | $1,825,000 | $239,000 | $2,234,000 |
| Home Improvement | 4 | $4,160,000 | $1,040,000 | $2,555,000 | $184,000 | $264,000 |
| Other Purpose | 1 | $15,000 | $15,000 | $15,000 | $48,000 | $48,000 |
| 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 | 221 | $61,575,000 | $278,000 | $2,555,000 | $175,000 | $2,546,000 |
| Not applicable | 28 | $16,280,000 | $581,000 | $2,055,000 | $0 | $0 |
| Not Provided | 23 | $8,945,000 | $388,000 | $1,345,000 | $310,000 | $2,234,000 |
| Hispanic | 14 | $2,290,000 | $163,000 | $375,000 | $87,000 | $274,000 |
| Asian | 1 | $325,000 | $325,000 | $325,000 | $129,000 | $129,000 |
| Black or African American | 1 | $265,000 | $265,000 | $265,000 | $240,000 | $240,000 |
| 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) | 280 | $88,850,000 | $317,000 | $2,555,000 | $186,000 | $2,546,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $830,000 | $103,000 | $175,000 | $55,000 | $85,000 |
| 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 | 246 | $78,410,000 | $318,000 | $2,555,000 | $190,000 | $2,546,000 |
| Application Withdrawn By Applicant | 24 | $7,670,000 | $319,000 | $1,825,000 | $197,000 | $1,322,000 |
| Application Denied By Financial Institution | 9 | $1,115,000 | $123,000 | $205,000 | $48,000 | $94,000 |
| File Closed For Incompleteness | 8 | $2,280,000 | $285,000 | $505,000 | $111,000 | $209,000 |
| Loan Purchased By The Institution | 1 | $205,000 | $205,000 | $205,000 | $79,000 | $79,000 |
| 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 |
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 | 279 | $88,565,000 | $317,000 | $2,555,000 | $187,000 | $2,546,000 |
| Collateral | 4 | $400,000 | $100,000 | $145,000 | $51,000 | $94,000 |
| Other | 2 | $370,000 | $185,000 | $205,000 | $54,000 | $68,000 |
| Credit History | 1 | $75,000 | $75,000 | $75,000 | $49,000 | $49,000 |
| Debt-To-Income Ratio | 1 | $95,000 | $95,000 | $95,000 | $30,000 | $30,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $46,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Commercial Bank & Trust, National Association's 2022 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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