|
|
| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
|
|
|
|
|
|
HICKORY POINT BANK & TRUST FSB
Mortgage Loans and Application Details
|
|
|
|
| Mortgage Company Name |
HICKORY POINT BANK & TRUST FSB |
| Address | 225 N WATER STREET
DECATUR, IL 62523 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 336 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $35,439,000 |
| Average Mortgage Loan Amount Applied For | $136,461 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $117,923 |
| Highest Applicant Income | $1,388,000 |
|
|
|
| Home Improvement |
45 | $2,283,000 |
$50,000 | $241,000 |
$59,000 | $153,000 |
| Home Purchase |
207 | $22,661,000 |
$109,000 | $628,000 |
$74,000 | $1,388,000 |
| Refinancing |
84 | $10,495,000 |
$124,000 | $800,000 |
$75,000 | $378,000 |
|
|
| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
4 | $665,000 |
$166,000 | $409,000 |
$95,000 | $180,000 |
| Black or African American |
23 | $1,662,000 |
$72,000 | $256,000 |
$53,000 | $200,000 |
| Hispanic |
2 | $61,000 |
$30,000 | $54,000 |
$53,000 | $65,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $150,000 |
$150,000 | $150,000 |
$140,000 | $140,000 |
| Not applicable |
3 | $93,000 |
$31,000 | $60,000 |
$0 | $0 |
| Not Provided |
25 | $3,094,000 |
$123,000 | $320,000 |
$73,000 | $141,000 |
| White |
278 | $29,714,000 |
$106,000 | $800,000 |
$74,000 | $1,388,000 |
|
|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
336 | $35,439,000 |
$105,000 | $800,000 |
$72,000 | $1,388,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
|
| Application Approved But Not Accepted |
29 | $3,842,000 |
$132,000 | $800,000 |
$84,000 | $378,000 |
| Application Denied By Financial Institution |
37 | $2,686,000 |
$72,000 | $268,000 |
$47,000 | $119,000 |
| Application Withdrawn By Applicant |
12 | $1,037,000 |
$86,000 | $254,000 |
$74,000 | $312,000 |
| File Closed For Incompleteness |
2 | $209,000 |
$104,000 | $150,000 |
$94,000 | $132,000 |
| Loan Originated |
256 | $27,665,000 |
$108,000 | $628,000 |
$74,000 | $1,388,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
|
| Collateral |
5 | $486,000 |
$97,000 | $241,000 |
$69,000 | $119,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
10 | $971,000 |
$97,000 | $268,000 |
$61,000 | $113,000 |
| Debt-To-Income Ratio |
17 | $1,033,000 |
$60,000 | $172,000 |
$38,000 | $72,000 |
| Employment History |
2 | $80,000 |
$40,000 | $50,000 |
$9,000 | $18,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $5,000 |
$5,000 | $5,000 |
$55,000 | $55,000 |
| Unverifiable Information |
2 | $111,000 |
$55,000 | $79,000 |
$40,000 | $81,000 |
|
Mortgage Loan App Totals for HICKORY POINT BANK & TRUST FSB by:
Metropolitan Area And
County
|
|
|
|
|
Copyright ©2008 AllMortgageDetail.com All rights reserved.
|
|
