American Community Bank & Trust
American Community Bank & Trust received 59 applications in 2025 and made 54 mortgages, in 19 counties across 10 states. The median rate its borrowers got was Not published on a median loan of $355,000. Of 55 decisions, 1 were denials — 1.8%.
| Legal Entity Identifier | 549300228GG3C6SV3C98 |
|---|---|
| Applications received | 59 |
| Mortgages made | 54 |
| Denied | 1 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: American Community Bank & Trust, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 16 | Not published | $690,000 | 5.9% |
| Refinancing | 28 | Not published | $275,000 | 0.0% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 0.0% |
Where American Community Bank & Trust lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| McHenry County, IL | 15 | Not published | 0.0% |
| Cook County, IL | 12 | Not published | 0.0% |
| Kane County, IL | 9 | Under 10 loans | 0.0% |
| Lake County, IL | 3 | Under 10 loans | 0.0% |
| Colbert County, AL | 2 | Under 10 loans | 0.0% |
| Kenosha County, WI | 2 | Under 10 loans | 0.0% |
| Lauderdale County, AL | 1 | Under 10 loans | 0.0% |
| Carroll County, IL | 1 | Under 10 loans | 0.0% |
| DuPage County, IL | 1 | Under 10 loans | 0.0% |
| McLean County, IL | 1 | Under 10 loans | 0.0% |
| Marshall County, IN | 1 | Under 10 loans | 0.0% |
| Berrien County, MI | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Henderson County, NC | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| San Juan County, WA | 1 | Under 10 loans | 0.0% |
| Rock County, WI | 1 | Under 10 loans | 0.0% |
| Douglas County, CO | 0 | Under 10 loans | Not published |
| Door County, WI | 0 | Under 10 loans | 100.0% |
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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.