Hickory Point Bank & Trust FSB Mortgage Lending & HMDA Data, 2005
In 2005, Hickory Point Bank & Trust FSB of Decatur, IL reported 443 mortgage applications totaling $61.8 million, up 5% from 2004. The average application was for $139,440, and applicants reported an average income of $64,015. 82% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Decatur, IL (288), Springfield, IL (31) and Champaign-Urbana, IL (25) (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 | 443 |
| Total Mortgage Loan Application Amount | $61,772,000 |
| Average Mortgage Loan Application Amount | $139,440 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $64,015 |
| Highest Applicant Income | $871,000 |
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records Hickory Point Bank & Trust FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005
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 | 275 | $39,895,000 | $371,666 | $1,000,000 | $161,666 | $871,000 |
| Refinancing | 101 | $17,888,000 | $244,111 | $1,600,000 | $34,666 | $650,000 |
| Home Improvement | 67 | $3,989,000 | $59,000 | $260,000 | $59,000 | $176,000 |
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 | 363 | $36,357,000 | $237,000 | $1,471,000 | $269,222 | $871,000 |
| Not applicable | 45 | $20,913,000 | $358,454 | $960,000 | $0 | $0 |
| Black or African American | 18 | $1,561,000 | $86,000 | $239,000 | $47,000 | $95,000 |
| Not Provided | 7 | $783,000 | $111,000 | $401,000 | $105,000 | $540,000 |
| Hispanic | 6 | $2,019,000 | $336,000 | $1,600,000 | $137,000 | $650,000 |
| Asian | 2 | $114,000 | $57,000 | $109,000 | $53,000 | $66,000 |
| American Indian or Alaskan Native | 1 | $17,000 | $17,000 | $17,000 | $54,000 | $54,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $8,000 | $8,000 | $8,000 | $70,000 | $70,000 |
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) | 443 | $61,772,000 | $332,357 | $1,600,000 | $152,500 | $871,000 |
| 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 | 362 | $40,233,000 | $238,222 | $1,600,000 | $270,000 | $871,000 |
| Loan Purchased By The Institution | 41 | $18,186,000 | $356,181 | $861,000 | $0 | $0 |
| Application Denied By Financial Institution | 20 | $1,311,000 | $65,000 | $250,000 | $41,000 | $79,000 |
| Application Approved But Not Accepted | 14 | $1,729,000 | $123,000 | $263,000 | $69,000 | $163,000 |
| Application Withdrawn By Applicant | 5 | $263,000 | $52,000 | $95,000 | $59,000 | $122,000 |
| File Closed For Incompleteness | 1 | $50,000 | $50,000 | $50,000 | $31,000 | $31,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 10 | $774,000 | $77,000 | $250,000 | $46,000 | $79,000 |
| Debt-To-Income Ratio | 6 | $363,000 | $60,000 | $137,000 | $35,000 | $63,000 |
| Collateral | 3 | $108,000 | $36,000 | $68,000 | $38,000 | $56,000 |
| Employment History | 1 | $66,000 | $66,000 | $66,000 | $41,000 | $41,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hickory Point Bank & Trust FSB's 2005 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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