Applications / Mortgage Analytics / Lenders / Illinois / American Commercial Bank & Trust
Ottawa, IL · National bank · OCC · $2.0 billion assets · 209 loans in 2025
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209
loans originated, 2025
251
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Commercial Bank & Trust, an Illinois national bank, makes bigger loans than banks of its size, and its volume has settled back near its 2018 level after a surge in 2020 and 2021.
Its typical loan was $255,000, against $185,000 at similar lenders, national banks making between half and twice as many loans; that is higher than at nearly three in four. Jumbo loans (larger than the conforming limit) were 4.1% of its lending, against 2.0%. Purchases took 56.5% of its loans and refinances the rest.
It made 209 loans in 2025, up 4%, in line with similar lenders and close to the 200 of 2018. In between, lending rose to 1,329 in 2020 and 939 in 2021 before falling to 246 in 2022.
Majority-minority neighborhoods took 15.8% of its loans, against 6.8% at peers, up from 4.8% five years before. Its shares to low- and moderate-income (LMI) borrowers, 18.0%, and in LMI neighborhoods, 12.9%, were lower than peers' 25.4% and 16.2%. Its bigger loans, which may go to borrowers with higher incomes, and the places where it lends could be reasons.
It ranks 84 of 572 lenders in non-metro Illinois and 187 of 902 in Chicago-Naperville-Elgin, IL-IN. It has lent in non-metro Wyoming since 2016 and ranks 114 of 314 there. Its typical rate, 6.72%, was close to peers' 6.75%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Commercial Bank & Trust took 251 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.5% · Refinance 43.5%
Conventional 99.5% · USDA (RHS or FSA) 0.5% · of 209 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 184 | 88.0% |
| Florida | 6 | 2.9% |
| Wisconsin | 5 | 2.4% |
| Tennessee | 4 | 1.9% |
| Texas | 3 | 1.4% |
| Arkansas | 1 | 0.5% |
| Colorado | 1 | 0.5% |
| Indiana | 1 | 0.5% |
| Kansas | 1 | 0.5% |
| Missouri | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 111 |
| Lake County | 10 |
| Elgin | 8 |
| St. Petersburg-Clearwater-Largo | 4 |
| Dallas-Plano-Irving | 2 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Bloomington | 1 |
| Cincinnati | 1 |
| Denver-Aurora-Centennial | 1 |
| Houston-Pasadena-The Woodlands | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DL7AWRPX6NXO12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 856243 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 11154 | 2004–2017 |
Established 1 June 1865. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: American Commercial Bank & Trust's data.
American Commercial Bank & Trust's data
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American Commercial Bank & Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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