How It Works

You have selected to begin a new loan application. Click the New Application button below to get started!

Here's an overview of how simple and easy it is to apply online with Hickory Point Bank & Trust. Please take a moment to read the Getting Prepared page to see what documents will be helpful to complete your loan application quickly and easily.

Begin Application- Begin by giving us some general information about your home financing needs.

Property Information - We ask for information about the property you want to purchase or refinance.

Borrower Information - You can securely provide information about yourself and others who will be applying for the loan. We require general information for each applicant, including Social Security numbers so we can gather credit information. This helps us to accurately evaluate which loan programs meet your financing needs.

Employment/Income - We gather general information about your employment and any other income you receive.

Assets/Liabilities - Depending on the type of loan you want, we might ask you to provide information about assets such as checking and savings accounts and personal property. We might also ask about current debt such as credit cards, installment loans, and mortgages.

Submit - The final step of the application process!



Important Information AboutOpening a New Account:

To help the government fight the funding of terrorism and money launderingactivities, Federal law requires all financial institutions to obtain, verify,and record information that identifies each person who opens an account. When you open an account, we ask for your name, address, telephone number, date of birth, social security number or TIN, employer, driver's license number orpicture ID. We may also ask to see a copy of these identifying documents.