American Commercial Bank & Trust, National Association mortgage approval rate & lending review
American Commercial Bank & Trust, National Association decided 512 mortgage applications and funded 493 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions American Commercial Bank & Trust, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
American Commercial Bank & Trust, National Association at a glance
Approval is 13.3 points above the 83.2% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where American Commercial Bank & Trust, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| LaSalle County, IL | Mortgage lenders | 96% | 125 | 120 |
| Cook County, IL | Investment refinance | 100% | 27 | 27 |
| LaSalle County, IL | Investment property purchase | 95% | 20 | 19 |
The county markets where American Commercial Bank & Trust, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about American Commercial Bank & Trust, National Association
What is American Commercial Bank & Trust, National Association's mortgage approval rate?
American Commercial Bank & Trust, National Association approved 96.5% of the 512 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.3 points above the 83.2% national rate for the same mix of loan types.
How often do borrowers take the loan American Commercial Bank & Trust, National Association offers?
Borrowers accepted 100% of the loans American Commercial Bank & Trust, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does American Commercial Bank & Trust, National Association make?
The typical home purchase mortgage loan American Commercial Bank & Trust, National Association made was $195K; across all loan types its typical loan ran from $115K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does American Commercial Bank & Trust, National Association lend?
American Commercial Bank & Trust, National Association decided applications in 19 of the states Fat Boy Data covers, most of them in Illinois, Florida and Wisconsin.
Can I apply to American Commercial Bank & Trust, National Association directly?
Yes. American Commercial Bank & Trust, National Association is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show American Commercial Bank & Trust, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how American Commercial Bank & Trust, National Association treats applications, then get a rate quote from the lender.