Hickory Point Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Hickory Point Bank & Trust of Decatur, IL reported 306 mortgage applications totaling $66.3 million, down 15% from 2024. The average application was for $216,535, and applicants reported an average income of $137,761. 78% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Decatur, IL (98), Champaign-Urbana, IL (69) and Springfield, IL (68) (applications in parentheses).
| Mortgage Company & Address | Hickory Point Bank & Trust 225 N Water Street Decatur, IL 62525 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 306 |
| Total Mortgage Loan Application Amount | $66,260,000 |
| Average Mortgage Loan Application Amount | $216,535 |
| Highest Mortgage Loan Application Amount | $6,455,000 |
| Average Applicant Income | $137,761 |
| Highest Applicant Income | $2,187,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hickory Point Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Decatur, IL | 98 | $ 15,280,000 | $ 155,918 | $ 114,000 |
| Champaign-Urbana, IL | 69 | $ 20,405,000 | $ 295,724 | $ 123,000 |
| Springfield, IL | 68 | $ 17,180,000 | $ 252,647 | $ 197,000 |
| Outside any metro area | 57 | $ 7,265,000 | $ 127,456 | $ 79,000 |
| Peoria, IL | 4 | $ 980,000 | $ 245,000 | $ 97,000 |
| Bloomington, IL | 2 | $ 410,000 | $ 205,000 | $ 196,000 |
| Chicago-Naperville, IL | 2 | $ 660,000 | $ 330,000 | $ 1,029,000 |
| Bloomington, IN | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 1,375,000 | $ 1,375,000 | $ 512,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Knoxville, TN | 1 | $ 345,000 | $ 345,000 | $ 122,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 605,000 | $ 605,000 | $ 243,000 |
| St. Louis, MO-IL | 1 | $ 175,000 | $ 175,000 | $ 242,000 |
Mortgage Loan Application Detail Totals for Hickory Point Bank & Trust in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 268 | $50,830,000 | $189,000 | $1,375,000 | $140,000 | $2,187,000 |
| Refinancing | 21 | $12,295,000 | $585,000 | $6,455,000 | $122,000 | $180,000 |
| Cash-out Refinancing | 14 | $2,240,000 | $160,000 | $455,000 | $123,000 | $403,000 |
| Other Purpose | 3 | $895,000 | $298,000 | $475,000 | $117,000 | $169,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 215 | $40,655,000 | $189,000 | $1,375,000 | $133,000 | $2,187,000 |
| Not Provided | 33 | $6,095,000 | $184,000 | $415,000 | $200,000 | $1,925,000 |
| Hispanic | 20 | $2,700,000 | $135,000 | $495,000 | $88,000 | $311,000 |
| Not applicable | 18 | $13,140,000 | $730,000 | $6,455,000 | $0 | $0 |
| Asian | 11 | $2,275,000 | $206,000 | $545,000 | $135,000 | $360,000 |
| Black or African American | 9 | $1,395,000 | $155,000 | $295,000 | $149,000 | $496,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 306 | $66,260,000 | $216,000 | $6,455,000 | $138,000 | $2,187,000 |
| 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 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 238 | $53,790,000 | $226,000 | $6,455,000 | $141,000 | $2,187,000 |
| Application Withdrawn By Applicant | 52 | $10,540,000 | $202,000 | $665,000 | $142,000 | $536,000 |
| Application Denied By Financial Institution | 15 | $1,815,000 | $121,000 | $455,000 | $82,000 | $403,000 |
| Application Approved But Not Accepted | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 306 | $66,260,000 | $216,000 | $6,455,000 | $138,000 | $2,187,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hickory Point Bank & Trust's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Hickory Point Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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