Prairie State Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Prairie State Bank & Trust of Springfield, IL reported 1,305 mortgage applications totaling $165.5 million, up 91% from 2008. The average application was for $126,794, and applicants reported an average income of $96,351. 97% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Decatur, IL (457), Springfield, IL (195) and Champaign-Urbana, IL (97) (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 | 1,305 |
| Total Mortgage Loan Application Amount | $165,467,000 |
| Average Mortgage Loan Application Amount | $126,794 |
| Highest Mortgage Loan Application Amount | $1,680,000 |
| Average Applicant Income | $96,351 |
| Highest Applicant Income | $1,905,000 |
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records Prairie State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Macon, Illinois | 457 | $ 56,891,000 | $ 124,487 | $ 99,000 |
| Coles, Illinois | 248 | $ 23,527,000 | $ 94,866 | $ 76,000 |
| Sangamon, Illinois | 192 | $ 31,111,000 | $ 162,036 | $ 125,000 |
| Champaign, Illinois | 91 | $ 17,206,000 | $ 189,076 | $ 139,000 |
| Macoupin, Illinois | 73 | $ 5,412,000 | $ 74,136 | $ 63,000 |
| McLean, Illinois | 45 | $ 8,133,000 | $ 180,733 | $ 67,000 |
| Morgan, Illinois | 27 | $ 2,517,000 | $ 93,222 | $ 61,000 |
| Fulton, Illinois | 19 | $ 1,517,000 | $ 79,842 | $ 22,000 |
| Moultrie, Illinois | 17 | $ 1,498,000 | $ 88,117 | $ 75,000 |
| Shelby, Illinois | 17 | $ 1,977,000 | $ 116,294 | $ 81,000 |
| Christian, Illinois | 14 | $ 1,701,000 | $ 121,500 | $ 84,000 |
| Cass, Illinois | 10 | $ 848,000 | $ 84,800 | $ 63,000 |
| Brown, Illinois | 9 | $ 733,000 | $ 81,444 | $ 57,000 |
| Cumberland, Illinois | 7 | $ 1,019,000 | $ 145,571 | $ 60,000 |
| Montgomery, Illinois | 6 | $ 812,000 | $ 135,333 | $ 100,000 |
| Scott, Illinois | 6 | $ 401,000 | $ 66,833 | $ 45,000 |
| Cook, Illinois | 5 | $ 1,202,000 | $ 240,400 | $ 291,000 |
| Piatt, Illinois | 5 | $ 527,000 | $ 105,400 | $ 71,000 |
| Pike, Illinois | 5 | $ 405,000 | $ 81,000 | $ 56,000 |
| Schuyler, Illinois | 5 | $ 402,000 | $ 80,400 | $ 54,000 |
| Clark, Illinois | 3 | $ 138,000 | $ 46,000 | $ 67,000 |
| DeKalb, Illinois | 3 | $ 600,000 | $ 200,000 | $ 55,000 |
| Douglas, Illinois | 3 | $ 301,000 | $ 100,333 | $ 123,000 |
| Menard, Illinois | 3 | $ 445,000 | $ 148,333 | $ 89,000 |
| Tazewell, Illinois | 3 | $ 932,000 | $ 310,666 | $ 240,000 |
| Camden, Missouri | 3 | $ 708,000 | $ 236,000 | $ 290,000 |
| De Witt, Illinois | 2 | $ 227,000 | $ 113,500 | $ 127,000 |
| Edgar, Illinois | 2 | $ 234,000 | $ 117,000 | $ 62,000 |
| Fayette, Illinois | 2 | $ 254,000 | $ 127,000 | $ 76,000 |
| Logan, Illinois | 2 | $ 404,000 | $ 202,000 | $ 127,000 |
| Mason, Illinois | 2 | $ 146,000 | $ 73,000 | $ 45,000 |
| St. Clair, Illinois | 2 | $ 243,000 | $ 121,500 | $ 104,000 |
| Bay, Florida | 1 | $ 367,000 | $ 367,000 | $ 500,000 |
| Palm Beach, Florida | 1 | $ 178,000 | $ 178,000 | $ 44,000 |
| Sarasota, Florida | 1 | $ 82,000 | $ 82,000 | $ 144,000 |
| DuPage, Illinois | 1 | $ 345,000 | $ 345,000 | $ 345,000 |
| Effingham, Illinois | 1 | $ 172,000 | $ 172,000 | $ 109,000 |
| Ford, Illinois | 1 | $ 88,000 | $ 88,000 | $ 107,000 |
| Knox, Illinois | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Madison, Illinois | 1 | $ 184,000 | $ 184,000 | $ 118,000 |
| McDonough, Illinois | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Woodford, Illinois | 1 | $ 125,000 | $ 125,000 | $ 84,000 |
| Delaware, Indiana | 1 | $ 162,000 | $ 162,000 | $ 55,000 |
| Tippecanoe, Indiana | 1 | $ 111,000 | $ 111,000 | $ 135,000 |
| St. Louis, Missouri | 1 | $ 263,000 | $ 263,000 | $ 170,000 |
| St. Louis City, Missouri | 1 | $ 144,000 | $ 144,000 | $ 170,000 |
| Charleston, South Carolina | 1 | $ 250,000 | $ 250,000 | $ 85,000 |
| Montgomery, Tennessee | 1 | $ 128,000 | $ 128,000 | $ 32,000 |
| Alexandria, Virginia | 1 | $ 269,000 | $ 269,000 | $ 247,000 |
Mortgage Loan Application Detail Totals for Prairie State Bank & Trust in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,041 | $135,440,000 | $130,000 | $1,370,000 | $99,000 | $1,905,000 |
| Home Purchase | 240 | $29,233,000 | $121,000 | $1,680,000 | $90,000 | $500,000 |
| Home Improvement | 24 | $794,000 | $33,000 | $150,000 | $45,000 | $166,000 |
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 | 1,226 | $151,823,000 | $123,000 | $720,000 | $98,000 | $1,905,000 |
| Not applicable | 44 | $8,399,000 | $190,000 | $1,680,000 | $6,000 | $165,000 |
| Asian | 18 | $2,951,000 | $163,000 | $500,000 | $132,000 | $599,000 |
| Hispanic | 7 | $916,000 | $130,000 | $244,000 | $83,000 | $134,000 |
| Black or African American | 5 | $580,000 | $116,000 | $261,000 | $73,000 | $111,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $521,000 | $260,000 | $417,000 | $452,000 | $885,000 |
| Not Provided | 2 | $148,000 | $74,000 | $93,000 | $86,000 | $146,000 |
| American Indian or Alaskan Native | 1 | $129,000 | $129,000 | $129,000 | $46,000 | $46,000 |
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) | 1,305 | $165,467,000 | $126,000 | $1,680,000 | $96,000 | $1,905,000 |
| 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 | 1,264 | $162,813,000 | $128,000 | $1,680,000 | $98,000 | $1,905,000 |
| Application Denied By Financial Institution | 20 | $1,256,000 | $62,000 | $337,000 | $36,000 | $111,000 |
| Loan Purchased By The Institution | 19 | $1,306,000 | $68,000 | $185,000 | $7,000 | $81,000 |
| Application Withdrawn By Applicant | 2 | $92,000 | $46,000 | $52,000 | $39,000 | $58,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 11 | $729,000 | $66,000 | $337,000 | $40,000 | $111,000 |
| Debt-To-Income Ratio | 4 | $138,000 | $34,000 | $55,000 | $27,000 | $49,000 |
| Collateral | 3 | $217,000 | $72,000 | $108,000 | $23,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 1 | $117,000 | $117,000 | $117,000 | $75,000 | $75,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Prairie State Bank & Trust's 2009 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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