Hickory Point Bank And Trust Mortgage Rates, Fees & Info
Decatur, ILLEI: 549300NN5CG5Q640OV05
Tax ID: 37-1052394
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Mortgage Data
Review & Overview
Hickory Point Bank And Trust is a smaller bank specializing in Home Purchase and Refi loans. Hickory Point Bank And Trust has a high proportion of conventional loans. Their top markets by origination volume include: Champaign, Springfield, Decatur, Lincoln, and Indianapolis among others. We have data for 14 markets. (Some data included below & more in-depth data is available with an active subscription.)Hickory Point Bank And Trust has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
281Origination Dollar Volume (All Markets)
$79,225,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 104 | $46,740,000 | $449,423 | $0 | 0.00% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 63 | $12,375,000 | $196,429 | $0 | 0.00% |
| DECATUR, IL (FHA|USDA|VA) | 68 | $10,320,000 | $151,765 | $0 | 0.00% |
| Outside of Metro Areas | 10 | $3,100,000 | $310,000 | $0 | 0.00% |
| Lincoln, IL (FHA|USDA|VA) | 19 | $2,015,000 | $106,053 | $0 | 0.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $1,595,000 | $1,595,000 | $0 | 0.00% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $0 | 0.00% |
| PEORIA, IL (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $0 | 0.00% |
| MADISON, WI (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 0.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 0.00% |
| Jacksonville, IL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 0.00% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Hickory Point Bank and Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 281 | $79,225,000 | $281,940 | $0 | 0.00% |
For 2024, Hickory Point Bank And Trust's most frequently originated type of loan was Conventional, with 281 originations.
Loan Reason
For 2024, Hickory Point Bank And Trust's most frequently cited loan purpose was Home Purchase, with 262 originations. The 2nd most popular reason was Refi, with 14 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 281 | $79,225,000 | $281,940 | $0 | 0.00% |
For 2024, Hickory Point Bank And Trust's most frequently cited loan duration was Other, with 281 originations.
Loan Sizing
2024 saw Hickory Point Bank And Trust place emphasis on $100k-200k loans with 124 originations, totaling $18,160,000 in origination value.
Applicant Income
Hickory Point Bank And Trust lent most frequently to those with incomes in the $50k-75k range, with 64 originations. The second most popular income band? $100k-150k, with 62 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 281 | $79,225,000 | $281,940 | $0 | 0.00% |
Hickory Point Bank And Trust lent most frequently to those with DTI ratios of Exempt%, with 281 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.74%
Hickory Point Bank And Trust has an average approval rate.
Pick Rate
Approvals leading to origination79.00%
Hickory Point Bank And Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 281 | $79,225,000 | $281,940 |