Applications / Mortgage Analytics / Lenders / Illinois / American Community Bank & Trust
Woodstock, IL · State non-member bank · FDIC · $1.1 billion assets · 55 loans in 2025
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55
loans originated, 2025
60
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Community Bank & Trust, a small Illinois bank, spread its 55 loans in 2025 across 10 states, from Alabama to Puerto Rico.
Its loan count rose by 57%, from 35 to 55. At similar lenders, state non-member banks making between half and twice as many loans, it rose by 7%; the bank's growth was higher than about nine in ten of them. Refinances made up 65.5% of its loans. It filed no report for 2020 to 2022, gaps in the record rather than years without lending.
Its loans reached 10 states, 11 metros and 18 counties. In 2025 it entered new markets as far apart as San Juan-Bayamón-Caguas, PR and Asheville, NC. In Florence-Muscle Shoals, AL, also new, it ranked 52 of 220 lenders. With 55 loans, each place holds only a few.
Its typical loan was $355,000, up from $185,000 in 2024. That was higher than about nine in ten similar banks, whose typical loan was $165,000. Jumbo loans, those larger than the conforming limit, were 11.6% of its lending, against 1.6% at peers.
Loans in majority-minority areas were 18.2%, against 6.4% at peers. Borrowers with low and moderate incomes (LMI) took 22.2%, against 27.4%. With so few loans spread so widely, a handful of loans moves these shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. American Community Bank & Trust took 60 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 65.5% · Purchase 29.1% · Home improvement 5.5%
Conventional 100.0% · of 55 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 | 42 | 76.4% |
| Alabama | 3 | 5.5% |
| Wisconsin | 3 | 5.5% |
| Indiana | 1 | 1.8% |
| Michigan | 1 | 1.8% |
| Missouri | 1 | 1.8% |
| North Carolina | 1 | 1.8% |
| Puerto Rico | 1 | 1.8% |
| South Carolina | 1 | 1.8% |
| Washington | 1 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 28 |
| Elgin | 9 |
| Florence-Muscle Shoals | 3 |
| Lake County | 3 |
| Kenosha | 2 |
| Asheville | 1 |
| Bloomington | 1 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
| Janesville-Beloit | 1 |
| Niles | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300228GG3C6SV3C98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2869162 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 335412 | 2001–2017 |
Established 13 March 2000. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: American Community Bank & Trust's data.
American Community Bank & Trust's data
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American Community 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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