What loan types does American Commercial Bank & Trust offer?

American Commercial Bank & Trust offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does American Commercial Bank & Trust offer mortgages?

American Commercial Bank & Trust offers mortgages in 14 states: AL, AR, CO, FL, IL, IN, MI, MN, MS, NC, OH, SC, TX, WI.

How competitive are American Commercial Bank & Trust's mortgage rates?

American Commercial Bank & Trust has an overall pricing score of 65.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is American Commercial Bank & Trust?

American Commercial Bank & Trust is a Bank headquartered in Ottawa, IL.

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American Commercial Bank & Trust

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American Commercial Bank & Trust has 166 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Multi-Region · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

American Commercial Bank & Trust performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+30.1 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

148 loans · 0.29% above market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

13 loans · 0.43% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

133 loans · 0.31% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

33 loans · 0.28% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Acceptable	148	89.2%	+0.288%Above	$1,020Fees
Jumbo Loans	Sound	Strong	—	Sound	13	7.8%	+0.427%Above	$219Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume148

Mix89.2%

Spread

+0.288%Above

Fees

$1,020Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing—

Pull Through

Sound

Volume13

Mix7.8%

Spread

+0.427%Above

Fees

$219Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Acceptable	133	80.1%	+0.308%Above	$1,081Fees
Refinance	Sound	Acceptable	Strong	Sound	33	19.9%	+0.278%Above	$737Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume133

Mix80.1%

Spread

+0.308%Above

Fees

$1,081Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume33

Mix19.9%

Spread

+0.278%Above

Fees

$737Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

166

Applications

210

Volume

$54 million

Pricing & Closing

Avg Rate Spread

+0.301%

vs. market APOR

Avg Net Fees

$997

Origination − Credits

Pullthrough Rate

79.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$329,819

Avg Borrower Income

$217,657

Avg Property Value

$487,169

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

14Full-year 2024 · HMDA

Loans originated

< 100100+None

Midwest6

ILINMIMNOHWI

South7

ALARFLMSNCSCTX

West1

Top Metro Areas by Place Specialization Score

Chicago, ILMetro

Volume 57Mix 34.34% of portfolio

63/100

Strong

Top States by Place Specialization Score

IllinoisState

Volume 143Mix 86.14% of portfolio

72/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.