Hickory Point Bank and Trust mortgage approval rate & lending review
Hickory Point Bank and Trust decided 647 mortgage applications and funded 598 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Hickory Point Bank and Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Hickory Point Bank and Trust at a glance
Approval is 6.9 points above the 86.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 472 / 501 | 99% | $185K | 468 |
| Cash-out refinance | 76% | 19 / 25 | 100% | $95K | 19 |
| Investment property purchase | 94% | 87 / 93 | 99% | $65K | 86 |
Hickory Point Bank and Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 93% | $185K | 639 | 591 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Hickory Point Bank and Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Champaign County, IL | Mortgage lenders | 98% | 189 | 185 |
| Macon County, IL | Mortgage lenders | 91% | 181 | 162 |
| Sangamon County, IL | Mortgage lenders | 92% | 111 | 101 |
| Champaign County, IL | Investment property purchase | 94% | 33 | 31 |
| Macon County, IL | Investment property purchase | 97% | 32 | 30 |
| Sangamon County, IL | Investment property purchase | 90% | 21 | 19 |
The county markets where Hickory Point Bank and Trust made the most loans. Each link opens that market with every lender ranked.
Questions about Hickory Point Bank and Trust
What is Hickory Point Bank and Trust's mortgage approval rate?
Hickory Point Bank and Trust approved 93.2% of the 647 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.9 points above the 86.3% national rate for the same mix of loan types.
How often do borrowers take the loan Hickory Point Bank and Trust offers?
Borrowers accepted 99% of the loans Hickory Point Bank and Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Hickory Point Bank and Trust make?
The typical home purchase mortgage loan Hickory Point Bank and Trust made was $185K; across all loan types its typical loan ran from $65K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Hickory Point Bank and Trust lend?
Hickory Point Bank and Trust decided applications in 6 of the states Fat Boy Data covers, most of them in Illinois, Tennessee and Florida.
Can I apply to Hickory Point Bank and Trust directly?
Yes. Hickory Point Bank and Trust is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Hickory Point Bank and Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Hickory Point Bank and Trust treats applications, then get a rate quote from the lender.