Hickory Point Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Hickory Point Bank & Trust of Decatur, IL reported 516 mortgage applications totaling $103.8 million. The average application was for $201,153, and applicants reported an average income of $108,740. 87% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Champaign-Urbana, IL (256), Decatur, IL (155) and Springfield, IL (40) (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 | 516 |
| Total Mortgage Loan Application Amount | $103,795,000 |
| Average Mortgage Loan Application Amount | $201,153 |
| Highest Mortgage Loan Application Amount | $11,788,000 |
| Average Applicant Income | $108,740 |
| Highest Applicant Income | $1,422,000 |
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records Hickory Point Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Hickory Point Bank & Trust in 2016
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 | 302 | $67,567,000 | $223,000 | $11,788,000 | $109,000 | $1,422,000 |
| Refinancing | 192 | $34,644,000 | $180,000 | $1,892,000 | $113,000 | $1,034,000 |
| Home Improvement | 22 | $1,584,000 | $72,000 | $280,000 | $68,000 | $240,000 |
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 | 398 | $62,244,000 | $156,000 | $717,000 | $105,000 | $1,422,000 |
| Not Provided | 43 | $7,240,000 | $168,000 | $341,000 | $144,000 | $504,000 |
| Asian | 26 | $5,709,000 | $219,000 | $417,000 | $222,000 | $750,000 |
| Not applicable | 23 | $24,568,000 | $1,068,000 | $11,788,000 | $0 | $0 |
| Black or African American | 18 | $2,582,000 | $143,000 | $374,000 | $72,000 | $217,000 |
| Hispanic | 6 | $1,294,000 | $215,000 | $309,000 | $110,000 | $197,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $158,000 | $79,000 | $104,000 | $135,000 | $135,000 |
| 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) | 510 | $102,986,000 | $201,000 | $11,788,000 | $109,000 | $1,422,000 |
| FHA-insured (Federal Housing Administration) | 4 | $448,000 | $112,000 | $200,000 | $55,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 2 | $361,000 | $180,000 | $226,000 | $74,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 450 | $95,506,000 | $212,000 | $11,788,000 | $112,000 | $1,422,000 |
| Application Approved But Not Accepted | 32 | $4,769,000 | $149,000 | $399,000 | $107,000 | $480,000 |
| Application Denied By Financial Institution | 26 | $2,800,000 | $107,000 | $340,000 | $73,000 | $175,000 |
| Application Withdrawn By Applicant | 8 | $720,000 | $90,000 | $200,000 | $54,000 | $110,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hickory Point Bank & Trust's 2016 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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