Hickory Point Bank & Trust FSB Mortgage Lending & HMDA Data, 2015
In 2015, Hickory Point Bank & Trust FSB of Decatur, IL reported 390 mortgage applications totaling $65.7 million, up 9% from 2014. The average application was for $168,356, and applicants reported an average income of $127,430. 87% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Champaign-Urbana, IL (196), Decatur, IL (103) and Springfield, IL (31) (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 | 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 390 |
| Total Mortgage Loan Application Amount | $65,659,000 |
| Average Mortgage Loan Application Amount | $168,356 |
| Highest Mortgage Loan Application Amount | $2,660,000 |
| Average Applicant Income | $127,430 |
| Highest Applicant Income | $2,717,000 |
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records Hickory Point Bank & Trust FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 229 | $42,560,000 | $185,000 | $2,660,000 | $132,000 | $2,717,000 |
| Refinancing | 141 | $21,545,000 | $152,000 | $466,000 | $130,000 | $1,063,000 |
| Home Improvement | 20 | $1,554,000 | $77,000 | $156,000 | $57,000 | $147,000 |
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 | 312 | $49,454,000 | $158,000 | $2,000,000 | $131,000 | $2,717,000 |
| Not Provided | 40 | $4,892,000 | $122,000 | $332,000 | $120,000 | $441,000 |
| Asian | 14 | $2,498,000 | $178,000 | $325,000 | $161,000 | $750,000 |
| Black or African American | 9 | $1,590,000 | $176,000 | $369,000 | $100,000 | $239,000 |
| Not applicable | 7 | $5,674,000 | $810,000 | $2,660,000 | $0 | $0 |
| Hispanic | 6 | $1,353,000 | $225,000 | $278,000 | $119,000 | $196,000 |
| American Indian or Alaskan Native | 2 | $198,000 | $99,000 | $110,000 | $65,000 | $98,000 |
| 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) | 381 | $64,573,000 | $169,000 | $2,660,000 | $129,000 | $2,717,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $665,000 | $110,000 | $155,000 | $51,000 | $62,000 |
| FHA-insured (Federal Housing Administration) | 3 | $421,000 | $140,000 | $251,000 | $65,000 | $127,000 |
| 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 | 341 | $60,398,000 | $177,000 | $2,660,000 | $132,000 | $2,717,000 |
| Application Approved But Not Accepted | 25 | $3,092,000 | $123,000 | $335,000 | $86,000 | $197,000 |
| Application Denied By Financial Institution | 20 | $1,817,000 | $90,000 | $308,000 | $123,000 | $1,063,000 |
| Application Withdrawn By Applicant | 3 | $286,000 | $95,000 | $163,000 | $59,000 | $87,000 |
| File Closed For Incompleteness | 1 | $66,000 | $66,000 | $66,000 | $30,000 | $30,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 10 | $841,000 | $84,000 | $308,000 | $80,000 | $308,000 |
| Debt-To-Income Ratio | 5 | $253,000 | $50,000 | $109,000 | $44,000 | $88,000 |
| Collateral | 3 | $521,000 | $173,000 | $261,000 | $432,000 | $1,063,000 |
| Other | 1 | $93,000 | $93,000 | $93,000 | $51,000 | $51,000 |
| Unverifiable Information | 1 | $109,000 | $109,000 | $109,000 | $106,000 | $106,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hickory Point Bank & Trust FSB's 2015 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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