American Commercial Bank & Trust, National Association closing costs and rates (2024)
In 2024, American Commercial Bank & Trust, National Association originated 112 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $3,261. That is $3,480 below the national median of $6,741. American Commercial Bank & Trust, National Association is most active in Illinois with 101 originations there.
Purchase Originations
112
Median Total Costs
$3,261
−51.6% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$925
Median Lender Credits
$500
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 107 | 6.625% | $3,211 | $925 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 101 | 6.625% | $3,408 | #142 |
| Indiana | 3 | 6.625% | $2,413 | — |
| Florida | 2 | 6.750% | $3,788 | — |
| Arkansas | 1 | 5.875% | $2,380 | — |
| Colorado | 1 | 7.375% | $3,244 | — |
| Michigan | 1 | 6.625% | $12,911 | — |
| Minnesota | 1 | 7.500% | $8,214 | — |
| Mississippi | 1 | 6.125% | $2,807 | — |
| South Carolina | 1 | 6.625% | $3,451 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,205 | 6.625% | — | 1 | −$1,056 | |
| 2 | $2,380 | 5.875% | — | 1 | −$881 | |
| 3 | $2,408 | 6.250% | — | 1 | −$853 | |
| 4 | $2,466 | 6.750% | — | 1 | −$795 | |
| 5 | $2,541 | 6.500% | — | 3 | −$720 | |
| 6 | $2,543 | 5.875% | — | 1 | −$718 | |
| 7 | $2,678 | 6.562% | — | 4 | −$583 | |
| 8 | $2,741 | 6.375% | — | 1 | −$520 | |
| 9 | $2,857 | 6.500% | — | 1 | −$404 | |
| 10 | $2,896 | 6.500% | — | 46 | −$365 | |
| 11 | $3,244 | 7.375% | — | 1 | −$17 | |
| 12 | $3,656 | 7.500% | — | 1 | +$395 | |
| 13 | $4,718 | 7.000% | — | 1 | +$1,457 | |
| 14 | $4,723 | 6.750% | — | 2 | +$1,462 | |
| 15 | $4,731 | 6.750% | — | 2 | +$1,470 | |
| 16 | $5,451 | 7.625% | — | 1 | +$2,190 | |
| 17 | $5,467 | 7.000% | — | 24 | +$2,206 | |
| 18 | $6,271 | 6.625% | — | 2 | +$3,010 | |
| 19 | $6,318 | 6.938% | — | 4 | +$3,057 | |
| 20 | $7,022 | 7.125% | — | 9 | +$3,761 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.