Hickory Point Bank and Trust in Illinois vs the state
5.0%Denial rate-12.14 pts vs state
6.0%Decision denial rate-15.66 pts vs state
77.4%Origination rate+18.67 pts vs state
—Median rate
—Rate spread (pts)
$97kMedian applicant income
233Loans originated
15Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 313 | 241 | 9.6% | — | #159 |
| 2024 | 356 | 276 | 5.3% | — | #156 |
| 2025 | 301 | 233 | 5.0% | — | #187 |
What Hickory Point Bank and Trust lends in Illinois
By loan purpose
By loan type
Where in Illinois
Counties with the most Hickory Point Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Macon County | 98 | 72 | 5 | 5.1% |
| Champaign County | 62 | 52 | 2 | 3.2% |
| Sangamon County | 61 | 44 | 3 | 4.9% |
| Logan County | 36 | 31 | 1 | 2.8% |
| Menard County | 7 | 2 | 4 | 57.1% |
| Piatt County | 6 | 4 | 0 | 0.0% |
| Morgan County | 6 | 6 | 0 | 0.0% |
| Christian County | 5 | 4 | 0 | 0.0% |
| Shelby County | 2 | 2 | 0 | 0.0% |
| McLean County | 2 | 2 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 301 applications in 2025, of which 233 were originated and 15 denied.
5.0% of all applications, or 6.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Hickory Point Bank and Trust's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology