American Commercial Bank & Trust, National Association
American Commercial Bank & Trust, National Association received 251 applications in 2025 and made 209 mortgages, in 41 counties across 12 states. The median rate its borrowers got was 6.719% on a median loan of $255,000. Of 217 decisions, 6 were denials — 2.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300DL7AWRPX6NXO12 |
|---|---|
| Applications received | 251 |
| Mortgages made | 209 |
| Denied | 6 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 34 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.315 points |
| FDIC-insured bank | Yes: American Commercial Bank & Trust, National Association, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 118 | 6.750% | $325,000 | 2.5% |
| Refinancing | 73 | 6.719% | $185,000 | 1.3% |
| Cash-out refinancing | 18 | 6.813% | $230,000 | 9.5% |
Where American Commercial Bank & Trust, National Association lends most
The 41 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cook County, IL | 48 | 6.650% | 0.0% |
| LaSalle County, IL | 47 | 6.625% | 11.3% |
| DuPage County, IL | 30 | 6.719% | 0.0% |
| Will County, IL | 24 | 6.500% | 0.0% |
| Lake County, IL | 10 | 6.813% | 0.0% |
| Kane County, IL | 6 | Under 10 loans | 0.0% |
| Grundy County, IL | 5 | Under 10 loans | 0.0% |
| Pinellas County, FL | 4 | Under 10 loans | 0.0% |
| McHenry County, IL | 4 | Under 10 loans | 0.0% |
| Livingston County, IL | 3 | Under 10 loans | 0.0% |
| Bureau County, IL | 2 | Under 10 loans | 0.0% |
| Kendall County, IL | 2 | Under 10 loans | 0.0% |
| Dallas County, TX | 2 | Under 10 loans | 0.0% |
| Langlade County, WI | 2 | Under 10 loans | 0.0% |
| Baxter County, AR | 1 | Under 10 loans | 0.0% |
| Denver County, CO | 1 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Jackson County, IL | 1 | Under 10 loans | 0.0% |
| McLean County, IL | 1 | Under 10 loans | 0.0% |
| Marshall County, IL | 1 | Under 10 loans | 0.0% |
| Steuben County, IN | 1 | Under 10 loans | 0.0% |
| Miami County, KS | 1 | Under 10 loans | 0.0% |
| St. Charles County, MO | 1 | Under 10 loans | 0.0% |
| Butler County, OH | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| Knox County, TN | 1 | Under 10 loans | 0.0% |
| Rhea County, TN | 1 | Under 10 loans | 0.0% |
| Rutherford County, TN | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 1 | Under 10 loans | 0.0% |
| Dane County, WI | 1 | Under 10 loans | 0.0% |
| Jefferson County, WI | 1 | Under 10 loans | 0.0% |
| Walworth County, WI | 1 | Under 10 loans | 0.0% |
| Lincoln County, WY | 1 | Under 10 loans | 0.0% |
| Garfield County, CO | 0 | Under 10 loans | Not published |
| Lee County, FL | 0 | Under 10 loans | Not published |
| Putnam County, IL | 0 | Under 10 loans | Not published |
| Stark County, IL | 0 | Under 10 loans | 0.0% |
| Johnson County, IN | 0 | Under 10 loans | Not published |
| Lake County, IN | 0 | Under 10 loans | Not published |
| Porter County, IN | 0 | Under 10 loans | Not published |
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When American Commercial Bank & Trust, National Association’s figures are published for the next year, or restated.
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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.