Hickory Point Bank & Trust FSB Mortgage Lending & HMDA Data, 2014
In 2014, Hickory Point Bank & Trust FSB of Decatur, IL reported 357 mortgage applications totaling $60.2 million, up 16% from 2013. The average application was for $168,666, and applicants reported an average income of $114,411. 83% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Champaign-Urbana, IL (166), Decatur, IL (111) and Springfield, IL (34) (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 | 357 |
| Total Mortgage Loan Application Amount | $60,214,000 |
| Average Mortgage Loan Application Amount | $168,666 |
| Highest Mortgage Loan Application Amount | $6,360,000 |
| Average Applicant Income | $114,411 |
| Highest Applicant Income | $1,339,000 |
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records Hickory Point Bank & Trust FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 231 | $44,113,000 | $190,000 | $6,360,000 | $127,000 | $1,339,000 |
| Refinancing | 104 | $13,750,000 | $132,000 | $700,000 | $95,000 | $360,000 |
| Home Improvement | 22 | $2,351,000 | $106,000 | $1,000,000 | $74,000 | $212,000 |
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 | 283 | $39,145,000 | $138,000 | $700,000 | $118,000 | $1,339,000 |
| Not Provided | 28 | $4,414,000 | $157,000 | $417,000 | $115,000 | $280,000 |
| Asian | 14 | $2,711,000 | $193,000 | $335,000 | $144,000 | $485,000 |
| Black or African American | 13 | $1,791,000 | $137,000 | $332,000 | $90,000 | $227,000 |
| Not applicable | 11 | $10,615,000 | $965,000 | $6,360,000 | $0 | $0 |
| Hispanic | 5 | $767,000 | $153,000 | $296,000 | $106,000 | $159,000 |
| American Indian or Alaskan Native | 2 | $600,000 | $300,000 | $383,000 | $178,000 | $217,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $171,000 | $171,000 | $171,000 | $64,000 | $64,000 |
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) | 333 | $57,440,000 | $172,000 | $6,360,000 | $118,000 | $1,339,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $937,000 | $104,000 | $171,000 | $53,000 | $70,000 |
| FHA-insured (Federal Housing Administration) | 8 | $821,000 | $102,000 | $182,000 | $66,000 | $175,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,016,000 | $145,000 | $245,000 | $73,000 | $157,000 |
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 | 297 | $54,282,000 | $182,000 | $6,360,000 | $121,000 | $1,339,000 |
| Application Denied By Financial Institution | 31 | $2,392,000 | $77,000 | $220,000 | $60,000 | $132,000 |
| Application Approved But Not Accepted | 26 | $3,333,000 | $128,000 | $228,000 | $110,000 | $360,000 |
| Application Withdrawn By Applicant | 2 | $109,000 | $54,000 | $60,000 | $92,000 | $149,000 |
| File Closed For Incompleteness | 1 | $98,000 | $98,000 | $98,000 | $79,000 | $79,000 |
| 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 | 12 | $606,000 | $50,000 | $172,000 | $53,000 | $115,000 |
| Debt-To-Income Ratio | 11 | $937,000 | $85,000 | $218,000 | $66,000 | $132,000 |
| Collateral | 7 | $781,000 | $111,000 | $220,000 | $67,000 | $120,000 |
| Other | 1 | $68,000 | $68,000 | $68,000 | $27,000 | $27,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2014 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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