American Commercial Bank & Trust in Illinois vs the state
2.8%Denial rate-14.33 pts vs state
3.1%Decision denial rate-18.55 pts vs state
85.6%Origination rate+26.84 pts vs state
6.72%Median rate-0.03 pts vs state
0.30Rate spread (pts)-0.08 pts vs state
$133kMedian applicant income
184Loans originated
6Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 185 | 143 | 3.2% | 6.75% | #236 |
| 2024 | 213 | 176 | 2.8% | 6.76% | #219 |
| 2025 | 215 | 184 | 2.8% | 6.72% | #238 |
What American Commercial Bank & Trust lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most American Commercial Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| LaSalle County | 62 | 47 | 6 | 9.7% |
| Cook County | 53 | 48 | 0 | 0.0% |
| DuPage County | 31 | 30 | 0 | 0.0% |
| Will County | 28 | 24 | 0 | 0.0% |
| Lake County | 11 | 10 | 0 | 0.0% |
| Kane County | 8 | 6 | 0 | 0.0% |
| Grundy County | 5 | 5 | 0 | 0.0% |
| McHenry County | 4 | 4 | 0 | 0.0% |
| Livingston County | 3 | 3 | 0 | 0.0% |
| Bureau County | 2 | 2 | 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: 215 applications in 2025, of which 184 were originated and 6 denied.
2.8% of all applications, or 3.1% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans American Commercial Bank & Trust originated in Illinois in 2025 was 6.72%, against a statewide median of 6.75%.
About this data. Figures are American Commercial Bank & Trust'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