Hickory Point Bank & Trust FSB Mortgage Lending & HMDA Data, 2011
In 2011, Hickory Point Bank & Trust FSB of Decatur, IL reported 267 mortgage applications totaling $52.3 million. The average application was for $195,898, and applicants reported an average income of $90,685. 76% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Decatur, IL (199), Champaign-Urbana, IL (36) and Springfield, IL (7) (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 | 267 |
| Total Mortgage Loan Application Amount | $52,305,000 |
| Average Mortgage Loan Application Amount | $195,898 |
| Highest Mortgage Loan Application Amount | $5,606,000 |
| Average Applicant Income | $90,685 |
| Highest Applicant Income | $604,000 |
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records Hickory Point Bank & Trust FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 149 | $37,516,000 | $251,000 | $5,606,000 | $93,000 | $604,000 |
| Home Purchase | 82 | $12,825,000 | $156,000 | $2,160,000 | $96,000 | $472,000 |
| Home Improvement | 36 | $1,964,000 | $54,000 | $217,000 | $69,000 | $171,000 |
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 | 188 | $20,846,000 | $110,000 | $991,000 | $93,000 | $472,000 |
| Not Provided | 47 | $7,064,000 | $150,000 | $417,000 | $124,000 | $604,000 |
| Black or African American | 16 | $708,000 | $44,000 | $121,000 | $41,000 | $95,000 |
| Not applicable | 11 | $23,223,000 | $2,111,000 | $5,606,000 | $0 | $0 |
| Hispanic | 2 | $215,000 | $107,000 | $122,000 | $77,000 | $101,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $15,000 | $15,000 | $15,000 | $29,000 | $29,000 |
| American Indian or Alaskan Native | 1 | $189,000 | $189,000 | $189,000 | $95,000 | $95,000 |
| Asian | 1 | $45,000 | $45,000 | $45,000 | $48,000 | $48,000 |
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) | 267 | $52,305,000 | $195,000 | $5,606,000 | $91,000 | $604,000 |
| 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 | 203 | $45,772,000 | $225,000 | $5,606,000 | $95,000 | $472,000 |
| Application Approved But Not Accepted | 34 | $4,439,000 | $130,000 | $417,000 | $103,000 | $604,000 |
| Application Denied By Financial Institution | 27 | $1,803,000 | $66,000 | $200,000 | $51,000 | $95,000 |
| Application Withdrawn By Applicant | 3 | $291,000 | $97,000 | $173,000 | $49,000 | $69,000 |
| 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 | 13 | $649,000 | $49,000 | $192,000 | $45,000 | $73,000 |
| Credit History | 8 | $502,000 | $62,000 | $107,000 | $59,000 | $95,000 |
| Collateral | 4 | $519,000 | $129,000 | $200,000 | $65,000 | $92,000 |
| Other | 1 | $51,000 | $51,000 | $51,000 | $25,000 | $25,000 |
| Employment History | 1 | $82,000 | $82,000 | $82,000 | $46,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2011 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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