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records Hickory Point Bank & Trust FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Champaign, Illinois | 180 | $ 37,946,000 | $ 210,811 | $ 163,000 |
| Macon, Illinois | 103 | $ 11,604,000 | $ 112,660 | $ 89,000 |
| Sangamon, Illinois | 28 | $ 4,509,000 | $ 161,035 | $ 84,000 |
| Piatt, Illinois | 15 | $ 2,302,000 | $ 153,466 | $ 87,000 |
| Peoria, Illinois | 11 | $ 772,000 | $ 70,181 | $ 88,000 |
| Christian, Illinois | 5 | $ 602,000 | $ 120,400 | $ 80,000 |
| McLean, Illinois | 5 | $ 793,000 | $ 158,600 | $ 169,000 |
| Marshall, Illinois | 4 | $ 315,000 | $ 78,750 | $ 65,000 |
| Douglas, Illinois | 3 | $ 360,000 | $ 120,000 | $ 122,000 |
| Menard, Illinois | 3 | $ 458,000 | $ 152,666 | $ 98,000 |
| Montgomery, Illinois | 3 | $ 342,000 | $ 114,000 | $ 121,000 |
| Shelby, Illinois | 3 | $ 326,000 | $ 108,666 | $ 95,000 |
| Coles, Illinois | 2 | $ 287,000 | $ 143,500 | $ 70,000 |
| Iroquois, Illinois | 2 | $ 340,000 | $ 170,000 | $ 174,000 |
| Logan, Illinois | 2 | $ 264,000 | $ 132,000 | $ 102,000 |
| Madison, Illinois | 2 | $ 323,000 | $ 161,500 | $ 75,000 |
| Moultrie, Illinois | 2 | $ 107,000 | $ 53,500 | $ 59,000 |
| Tazewell, Illinois | 2 | $ 185,000 | $ 92,500 | $ 41,000 |
| Camden, Missouri | 2 | $ 571,000 | $ 285,500 | $ 192,000 |
| St. Charles, Missouri | 2 | $ 267,000 | $ 133,500 | $ 186,000 |
| Larimer, Colorado | 1 | $ 401,000 | $ 401,000 | $ 181,000 |
| Orange, Florida | 1 | $ 369,000 | $ 369,000 | $ 239,000 |
| Cobb, Georgia | 1 | $ 260,000 | $ 260,000 | $ 195,000 |
| Cass, Illinois | 1 | $ 186,000 | $ 186,000 | $ 82,000 |
| De Witt, Illinois | 1 | $ 466,000 | $ 466,000 | $ 171,000 |
| Ford, Illinois | 1 | $ 70,000 | $ 70,000 | $ 64,000 |
| Macoupin, Illinois | 1 | $ 49,000 | $ 49,000 | $ 33,000 |
| Putnam, Illinois | 1 | $ 86,000 | $ 86,000 | $ 74,000 |
| St. Clair, Illinois | 1 | $ 299,000 | $ 299,000 | $ 117,000 |
| Will, Illinois | 1 | $ 225,000 | $ 225,000 | $ 110,000 |
| Wayne, Ohio | 1 | $ 575,000 | $ 575,000 | $ 822,000 |
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.
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