Hickory Point Bank & Trust FSB Mortgage Lending & HMDA Data, 2003
In 2003, Hickory Point Bank & Trust FSB of Decatur, IL reported 1,190 mortgage applications totaling $96.4 million. The average application was for $80,967, and applicants reported an average income of $59,705. 83% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Decatur, IL (879), Springfield, IL (81) and Champaign-Urbana, IL (65) (applications in parentheses).
| Mortgage Company & Address | Hickory Point Bank & Trust FSB 225 N Water Street Decatur, IL 62523 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,190 |
| Total Mortgage Loan Application Amount | $96,351,000 |
| Average Mortgage Loan Application Amount | $80,967 |
| Highest Mortgage Loan Application Amount | $960,000 |
| Average Applicant Income | $59,705 |
| Highest Applicant Income | $697,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hickory Point Bank & Trust FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 FSB in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 941 | $77,034,000 | $180,833 | $960,000 | $107,500 | $697,000 |
| Home Purchase (one-to-four family) | 202 | $16,864,000 | $152,666 | $323,000 | $64,666 | $330,000 |
| Home Improvement (one-to-four family) | 42 | $339,000 | $5,500 | $40,000 | $59,000 | $96,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 5 | $2,114,000 | $422,000 | $886,000 | $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 | 1,086 | $87,014,000 | $148,333 | $960,000 | $97,444 | $697,000 |
| Black | 47 | $3,134,000 | $66,000 | $330,000 | $48,000 | $255,000 |
| Information not provided by applicant in mail or telephone application | 21 | $1,443,000 | $68,000 | $300,000 | $56,000 | $162,000 |
| Not applicable | 11 | $2,691,000 | $274,500 | $886,000 | $0 | $0 |
| American Indian or Alaskan Native | 11 | $650,000 | $59,000 | $154,000 | $42,000 | $118,000 |
| Asian or Pacific Islander | 9 | $753,000 | $83,000 | $148,000 | $46,000 | $106,000 |
| Other | 3 | $407,000 | $135,000 | $220,000 | $118,000 | $136,000 |
| Hispanic | 2 | $259,000 | $129,000 | $169,000 | $92,000 | $102,000 |
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) | 1,190 | $96,351,000 | $162,555 | $960,000 | $93,555 | $697,000 |
| 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 | 985 | $80,631,000 | $157,142 | $886,000 | $101,285 | $697,000 |
| Application Denied By Financial Institution | 110 | $7,030,000 | $145,666 | $300,000 | $61,333 | $144,000 |
| Application Withdrawn By Applicant | 79 | $7,739,000 | $100,000 | $960,000 | $53,500 | $343,000 |
| File Closed For Incompleteness | 8 | $453,000 | $56,000 | $140,000 | $49,000 | $129,000 |
| Application Approved But Not Accepted | 8 | $498,000 | $62,000 | $146,000 | $44,000 | $94,000 |
| Loan Purchased By The 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 | 59 | $3,969,000 | $113,000 | $300,000 | $41,500 | $124,000 |
| Credit History | 46 | $2,753,000 | $135,500 | $280,000 | $72,000 | $144,000 |
| Collateral | 3 | $161,000 | $53,000 | $71,000 | $86,000 | $121,000 |
| Unverifiable Information | 1 | $78,000 | $78,000 | $78,000 | $109,000 | $109,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $69,000 | $69,000 | $69,000 | $44,000 | $44,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hickory Point Bank & Trust FSB's 2003 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 FSB'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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