American Bank and Trust Company, National Association
American Bank and Trust Company, National Association received 263 applications in 2025 and made 222 mortgages, in 36 counties across 10 states. The median rate its borrowers got was 6.550% on a median loan of $145,000. Of 248 decisions, 17 were denials — 6.9%, most often for credit history.
| Legal Entity Identifier | 549300AQ83ZR1PW5DB53 |
|---|---|
| Applications received | 263 |
| Mortgages made | 222 |
| Denied | 17 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 15 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.18 points |
| FDIC-insured bank | Yes: American Bank & Trust Company, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 157 | 6.490% | $165,000 | 5.8% |
| Refinancing | 35 | 6.740% | $115,000 | 7.5% |
| Cash-out refinancing | 11 | 6.625% | $195,000 | 8.3% |
| Other purposes | 19 | 6.750% | $45,000 | 12.5% |
Where American Bank and Trust Company, National Association lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Scott County, IA | 84 | 6.500% | 5.4% |
| Rock Island County, IL | 71 | 6.750% | 11.5% |
| Henry County, IL | 10 | 6.188% | 9.1% |
| Whiteside County, IL | 7 | Under 10 loans | 0.0% |
| Kane County, IL | 6 | Under 10 loans | 0.0% |
| Cook County, IL | 4 | Under 10 loans | 0.0% |
| Mercer County, IL | 4 | Under 10 loans | 0.0% |
| Clinton County, IA | 4 | Under 10 loans | 0.0% |
| Berrien County, MI | 3 | Under 10 loans | 0.0% |
| DeKalb County, IL | 2 | Under 10 loans | 0.0% |
| DuPage County, IL | 2 | Under 10 loans | 0.0% |
| Cedar County, IA | 2 | Under 10 loans | 0.0% |
| Walworth County, WI | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 50.0% |
| Fulton County, IL | 1 | Under 10 loans | 0.0% |
| Knox County, IL | 1 | Under 10 loans | 0.0% |
| McHenry County, IL | 1 | Under 10 loans | 0.0% |
| Marshall County, IL | 1 | Under 10 loans | 0.0% |
| Mason County, IL | 1 | Under 10 loans | 0.0% |
| Ogle County, IL | 1 | Under 10 loans | 0.0% |
| Peoria County, IL | 1 | Under 10 loans | 0.0% |
| Stark County, IL | 1 | Under 10 loans | 0.0% |
| Tazewell County, IL | 1 | Under 10 loans | 0.0% |
| Des Moines County, IA | 1 | Under 10 loans | 0.0% |
| Jackson County, IA | 1 | Under 10 loans | 0.0% |
| Muscatine County, IA | 1 | Under 10 loans | 0.0% |
| Polk County, IA | 1 | Under 10 loans | 0.0% |
| Barry County, MO | 1 | Under 10 loans | 0.0% |
| St. Charles County, MO | 1 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 1 | Under 10 loans | 0.0% |
| Clermont County, OH | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Douglas County, WI | 1 | Under 10 loans | 0.0% |
| Carroll County, IL | 0 | Under 10 loans | Not published |
| Greene County, MO | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.