Prairie State Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Prairie State Bank & Trust of Springfield, IL reported 357 mortgage applications totaling $70.8 million, up 14% from 2024. The average application was for $198,389, and applicants reported an average income of $137,571. 89% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Springfield, IL (80), Decatur, IL (69) and Champaign-Urbana, IL (40) (applications in parentheses).
| Mortgage Company & Address | Prairie State Bank & Trust 3751 W. Wabash Ave Springfield, IL 62704 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 357 |
| Total Mortgage Loan Application Amount | $70,825,000 |
| Average Mortgage Loan Application Amount | $198,389 |
| Highest Mortgage Loan Application Amount | $4,685,000 |
| Average Applicant Income | $137,571 |
| Highest Applicant Income | $1,179,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Prairie State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Prairie State Bank & Trust in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 235 | $44,205,000 | $188,000 | $925,000 | $143,000 | $1,179,000 |
| Cash-out Refinancing | 56 | $15,290,000 | $273,000 | $4,685,000 | $122,000 | $690,000 |
| Refinancing | 31 | $7,375,000 | $237,000 | $915,000 | $152,000 | $391,000 |
| Other Purpose | 26 | $1,320,000 | $50,000 | $155,000 | $122,000 | $314,000 |
| Home Improvement | 9 | $2,635,000 | $292,000 | $2,385,000 | $88,000 | $248,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 259 | $39,245,000 | $151,000 | $705,000 | $125,000 | $1,015,000 |
| Not applicable | 58 | $22,170,000 | $382,000 | $4,685,000 | $0 | $0 |
| Asian | 21 | $6,415,000 | $305,000 | $615,000 | $299,000 | $1,179,000 |
| Not Provided | 8 | $1,200,000 | $150,000 | $445,000 | $138,000 | $264,000 |
| Black or African American | 7 | $825,000 | $117,000 | $195,000 | $101,000 | $234,000 |
| Hispanic | 4 | $970,000 | $242,000 | $625,000 | $156,000 | $310,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 357 | $70,825,000 | $198,000 | $4,685,000 | $137,000 | $1,179,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 318 | $64,860,000 | $203,000 | $4,685,000 | $142,000 | $1,179,000 |
| Application Approved But Not Accepted | 25 | $4,195,000 | $167,000 | $445,000 | $103,000 | $273,000 |
| Application Denied By Financial Institution | 14 | $1,770,000 | $126,000 | $615,000 | $115,000 | $300,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 343 | $69,055,000 | $201,000 | $4,685,000 | $138,000 | $1,179,000 |
| Credit History | 7 | $1,155,000 | $165,000 | $615,000 | $123,000 | $274,000 |
| Debt-To-Income Ratio | 3 | $205,000 | $68,000 | $105,000 | $96,000 | $127,000 |
| Collateral | 2 | $270,000 | $135,000 | $225,000 | $187,000 | $300,000 |
| Other | 1 | $105,000 | $105,000 | $105,000 | $90,000 | $90,000 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Prairie State Bank & Trust's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Prairie State Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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