Lender profile · HMDA 2023–2025
American Commercial Bank & Trust, National Association mortgage approval rates & lending data
American Commercial Bank & Trust, National Association decided 512 mortgage applications and funded 493 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 257 / 264 | 100% | $195K | 257 |
| Cash-out refinance | 93% | 38 / 41 | 100% | $205K | 38 |
| Refinance | 95% | 55 / 58 | 98% | $325K | 54 |
| Investment property purchase | 96% | 74 / 77 | 100% | $335K | 74 |
| Investment refinance | 100% | 58 / 58 | 100% | $115K | 58 |
American Commercial Bank & Trust, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 96% | $145K | 456 | 439 |
| Florida | 100% | $195K | 12 | 12 |
| Wisconsin | 90% | $485K | 10 | 9 |
| Texas | 100% | $335K | 7 | 7 |
| Indiana | 100% | $255K | 5 | 5 |
| Tennessee | 75% | $325K | 4 | 3 |
| California | 100% | $765K | 3 | 3 |
| Michigan | 100% | $315K | 3 | 3 |
| Ohio | 100% | $105K | 2 | 2 |
| Alabama | 100% | $1M | 1 | 1 |
| Arizona | 100% | $345K | 1 | 1 |
| Arkansas | 100% | $105K | 1 | 1 |
| Colorado | 100% | $285K | 1 | 1 |
| Minnesota | 100% | $765K | 1 | 1 |
| Mississippi | 100% | $155K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.