Applications / Mortgage Analytics / Lenders / Illinois / Hickory Point Bank and Trust
Decatur, IL · State non-member bank · FDIC · $713 million assets · 238 loans in 2025
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238
loans originated, 2025
306
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hickory Point Bank and Trust is a purchase lender that ranks fifth in Decatur, its home market, but it made 15% fewer loans in 2025 while similar lenders grew.
Purchases made up 87.0% of its loans, and every loan was conventional. Its typical loan, $155,000, was smaller than at nearly two-thirds of similar lenders, state non-member banks making between half and twice as many loans. Their typical loan was $175,000.
Its share of Decatur fell from 5.1% to 4.3%, where New American Funding leads. In Springfield it slipped from 1.8% to 1.5% and ranks 19 of 217, behind INB. The falls track its own lower lending. They could reflect a choice to lend less, or stiffer competition.
It made 238 loans, against 281 in 2024 and 551 in 2020. Its growth was lower than at nearly nine in ten similar lenders, while the whole market rose 10%. But its count is close to the 220 of 2018, so the busy years of 2020 and 2021 may have been the exception.
Low- and moderate-income (LMI) borrowers took 32.3% of its loans, more than at over two-thirds of similar lenders. But only 11.3% of its loans went to LMI areas, down from 16.1% and lower than at about three-quarters of peers. Where its markets lie is one possible reason.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hickory Point Bank and Trust took 306 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 87.0% · Refinance 11.8% · Other 1.3%
Conventional 100.0% · of 238 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 233 | 97.9% |
| Indiana | 2 | 0.8% |
| Tennessee | 2 | 0.8% |
| Florida | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Decatur | 72 |
| Champaign-Urbana | 57 |
| Springfield | 46 |
| Peoria | 3 |
| Bloomington | 2 |
| Chicago-Naperville-Schaumburg | 2 |
| Bloomington | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
| Knoxville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NN5CG5Q640OV05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 550635 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 322874 | 1990–2017 |
| Respondent ID (the HMDA filer code before 2018) | 414792 | 1998–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1714792 | 2011–2015 |
Established 4 June 1979. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Hickory Point Bank and Trust's data.
Hickory Point Bank and Trust's data
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Hickory Point Bank and Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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