Hickory Point Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Hickory Point Bank & Trust of Decatur, IL reported 364 mortgage applications totaling $62.4 million, down 29% from 2016. The average application was for $171,521, and applicants reported an average income of $113,835. 87% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Champaign-Urbana, IL (178), Decatur, IL (97) and Springfield, IL (32) (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 | 364 |
| Total Mortgage Loan Application Amount | $62,434,000 |
| Average Mortgage Loan Application Amount | $171,521 |
| Highest Mortgage Loan Application Amount | $5,100,000 |
| Average Applicant Income | $113,835 |
| 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records Hickory Point Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 271 | $48,774,000 | $179,000 | $5,100,000 | $111,000 | $1,422,000 |
| Refinancing | 80 | $12,646,000 | $158,000 | $812,000 | $133,000 | $807,000 |
| Home Improvement | 13 | $1,014,000 | $78,000 | $260,000 | $55,000 | $159,000 |
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 | 289 | $43,962,000 | $152,000 | $812,000 | $116,000 | $1,422,000 |
| Not Provided | 22 | $2,751,000 | $125,000 | $390,000 | $116,000 | $410,000 |
| Asian | 22 | $4,174,000 | $189,000 | $424,000 | $125,000 | $271,000 |
| Black or African American | 14 | $1,835,000 | $131,000 | $397,000 | $111,000 | $400,000 |
| Not applicable | 9 | $8,629,000 | $958,000 | $5,100,000 | $0 | $0 |
| Hispanic | 7 | $1,030,000 | $147,000 | $424,000 | $138,000 | $331,000 |
| American Indian or Alaskan Native | 1 | $53,000 | $53,000 | $53,000 | $30,000 | $30,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 364 | $62,434,000 | $171,000 | $5,100,000 | $114,000 | $1,422,000 |
| 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 | 316 | $57,540,000 | $182,000 | $5,100,000 | $118,000 | $1,422,000 |
| Application Approved But Not Accepted | 31 | $3,572,000 | $115,000 | $424,000 | $96,000 | $340,000 |
| Application Denied By Financial Institution | 12 | $770,000 | $64,000 | $148,000 | $49,000 | $122,000 |
| Application Withdrawn By Applicant | 5 | $552,000 | $110,000 | $260,000 | $104,000 | $159,000 |
| 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 2017 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About