Hickory Point Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Hickory Point Bank & Trust of Decatur, IL reported 621 mortgage applications totaling $125.2 million, up 69% from 2019. The average application was for $201,586, and applicants reported an average income of $131,940. 89% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Champaign-Urbana, IL (341), Decatur, IL (150) and Springfield, IL (61) (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 | 621 |
| Total Mortgage Loan Application Amount | $125,185,000 |
| Average Mortgage Loan Application Amount | $201,586 |
| Highest Mortgage Loan Application Amount | $3,905,000 |
| Average Applicant Income | $131,940 |
| Highest Applicant Income | $862,000 |
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records Hickory Point Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 255 | $51,745,000 | $202,000 | $575,000 | $144,000 | $698,000 |
| Home Purchase | 244 | $45,850,000 | $187,000 | $1,505,000 | $116,000 | $862,000 |
| Refinancing | 113 | $22,595,000 | $199,000 | $965,000 | $141,000 | $619,000 |
| Other Purpose | 6 | $900,000 | $150,000 | $355,000 | $97,000 | $120,000 |
| Home Improvement | 3 | $4,095,000 | $1,365,000 | $3,905,000 | $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 | 470 | $91,420,000 | $194,000 | $965,000 | $129,000 | $862,000 |
| Not Provided | 89 | $13,995,000 | $157,000 | $515,000 | $145,000 | $619,000 |
| Asian | 26 | $4,670,000 | $179,000 | $465,000 | $121,000 | $575,000 |
| Not applicable | 17 | $10,585,000 | $622,000 | $3,905,000 | $0 | $0 |
| Black or African American | 12 | $3,020,000 | $251,000 | $615,000 | $196,000 | $490,000 |
| Hispanic | 6 | $1,200,000 | $200,000 | $345,000 | $89,000 | $131,000 |
| American Indian or Alaskan Native | 1 | $295,000 | $295,000 | $295,000 | $131,000 | $131,000 |
| 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) | 619 | $124,775,000 | $201,000 | $3,905,000 | $132,000 | $862,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $125,000 | $125,000 | $125,000 | $33,000 | $33,000 |
| VA-guaranteed (Veterans Administration) | 1 | $285,000 | $285,000 | $285,000 | $222,000 | $222,000 |
| FHA-insured (Federal Housing 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 | 551 | $113,765,000 | $206,000 | $3,905,000 | $132,000 | $862,000 |
| Application Approved But Not Accepted | 40 | $7,280,000 | $182,000 | $515,000 | $152,000 | $619,000 |
| Application Withdrawn By Applicant | 16 | $2,310,000 | $144,000 | $355,000 | $141,000 | $250,000 |
| Application Denied By Financial Institution | 14 | $1,830,000 | $130,000 | $285,000 | $77,000 | $222,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 621 | $125,185,000 | $201,000 | $3,905,000 | $132,000 | $862,000 |
| 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 2020 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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