American Bank and Trust Company in Illinois vs the state
8.0%Denial rate-9.15 pts vs state
8.3%Decision denial rate-13.35 pts vs state
83.3%Origination rate+24.59 pts vs state
6.68%Median rate-0.07 pts vs state
0.40Rate spread (pts)+0.02 pts vs state
$80kMedian applicant income
115Loans originated
11Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 193 | 158 | 3.6% | 6.38% | #227 |
| 2024 | 135 | 111 | 12.6% | 6.88% | #284 |
| 2025 | 138 | 115 | 8.0% | 6.68% | #304 |
What American Bank and Trust Company lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most American Bank and Trust Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rock Island County | 91 | 71 | 10 | 11.0% |
| Henry County | 12 | 10 | 1 | 8.3% |
| Whiteside County | 7 | 7 | 0 | 0.0% |
| Kane County | 6 | 6 | 0 | 0.0% |
| Mercer County | 4 | 4 | 0 | 0.0% |
| Cook County | 4 | 4 | 0 | 0.0% |
| DeKalb County | 2 | 2 | 0 | 0.0% |
| DuPage County | 2 | 2 | 0 | 0.0% |
| Tazewell County | 1 | 1 | 0 | 0.0% |
| Knox County | 1 | 1 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 138 applications in 2025, of which 115 were originated and 11 denied.
8.0% of all applications, or 8.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans American Bank and Trust Company originated in Illinois in 2025 was 6.68%, against a statewide median of 6.75%.
About this data. Figures are American Bank and Trust Company's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology