Prairie State Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Prairie State Bank & Trust of Springfield, IL reported 2,334 mortgage applications totaling $334.1 million, up 90% from 2011. The average application was for $143,149, and applicants reported an average income of $112,997. 98% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Decatur, IL (714), Springfield, IL (478) and Champaign-Urbana, IL (195) (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 | 2,334 |
| Total Mortgage Loan Application Amount | $334,111,000 |
| Average Mortgage Loan Application Amount | $143,149 |
| Highest Mortgage Loan Application Amount | $4,036,000 |
| Average Applicant Income | $112,997 |
| Highest Applicant Income | $1,848,000 |
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records Prairie State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 714 | $ 99,780,000 | $ 139,747 | $ 108,000 |
| Sangamon, Illinois | 464 | $ 80,863,000 | $ 174,273 | $ 149,000 |
| Coles, Illinois | 279 | $ 31,076,000 | $ 111,383 | $ 78,000 |
| Champaign, Illinois | 180 | $ 26,720,000 | $ 148,444 | $ 146,000 |
| Morgan, Illinois | 111 | $ 11,484,000 | $ 103,459 | $ 76,000 |
| McLean, Illinois | 102 | $ 25,750,000 | $ 252,450 | $ 142,000 |
| Macoupin, Illinois | 69 | $ 6,755,000 | $ 97,898 | $ 70,000 |
| Fulton, Illinois | 65 | $ 5,340,000 | $ 82,153 | $ 75,000 |
| Moultrie, Illinois | 33 | $ 3,528,000 | $ 106,909 | $ 90,000 |
| Cass, Illinois | 23 | $ 2,150,000 | $ 93,478 | $ 70,000 |
| Douglas, Illinois | 22 | $ 2,424,000 | $ 110,181 | $ 84,000 |
| Shelby, Illinois | 16 | $ 1,503,000 | $ 93,937 | $ 67,000 |
| Menard, Illinois | 14 | $ 1,888,000 | $ 134,857 | $ 124,000 |
| Piatt, Illinois | 14 | $ 2,247,000 | $ 160,500 | $ 116,000 |
| Scott, Illinois | 14 | $ 1,408,000 | $ 100,571 | $ 77,000 |
| Montgomery, Illinois | 12 | $ 1,218,000 | $ 101,500 | $ 109,000 |
| Pike, Illinois | 11 | $ 991,000 | $ 90,090 | $ 83,000 |
| Christian, Illinois | 10 | $ 1,890,000 | $ 189,000 | $ 210,000 |
| Cumberland, Illinois | 10 | $ 833,000 | $ 83,300 | $ 65,000 |
| Lake, Illinois | 10 | $ 2,225,000 | $ 222,500 | $ 170,000 |
| Logan, Illinois | 10 | $ 1,289,000 | $ 128,900 | $ 87,000 |
| Brown, Illinois | 9 | $ 811,000 | $ 90,111 | $ 59,000 |
| De Witt, Illinois | 8 | $ 1,039,000 | $ 129,875 | $ 128,000 |
| Franklin, Illinois | 7 | $ 885,000 | $ 126,428 | $ 104,000 |
| Will, Illinois | 7 | $ 1,376,000 | $ 196,571 | $ 141,000 |
| Lee, Florida | 6 | $ 806,000 | $ 134,333 | $ 243,000 |
| DuPage, Illinois | 6 | $ 1,650,000 | $ 275,000 | $ 91,000 |
| Mason, Illinois | 6 | $ 571,000 | $ 95,166 | $ 79,000 |
| Tazewell, Illinois | 6 | $ 887,000 | $ 147,833 | $ 92,000 |
| St. Clair, Illinois | 5 | $ 532,000 | $ 106,400 | $ 164,000 |
| Camden, Missouri | 5 | $ 1,479,000 | $ 295,800 | $ 239,000 |
| Cook, Illinois | 4 | $ 780,000 | $ 195,000 | $ 149,000 |
| Peoria, Illinois | 4 | $ 557,000 | $ 139,250 | $ 106,000 |
| Greene, Illinois | 3 | $ 330,000 | $ 110,000 | $ 90,000 |
| Vermilion, Illinois | 3 | $ 435,000 | $ 145,000 | $ 80,000 |
| Woodford, Illinois | 3 | $ 360,000 | $ 120,000 | $ 84,000 |
| Monroe, Indiana | 3 | $ 481,000 | $ 160,333 | $ 168,000 |
| Collier, Florida | 2 | $ 762,000 | $ 381,000 | $ 0 |
| Sumter, Florida | 2 | $ 435,000 | $ 217,500 | $ 129,000 |
| Effingham, Illinois | 2 | $ 248,000 | $ 124,000 | $ 67,000 |
| Fayette, Illinois | 2 | $ 300,000 | $ 150,000 | $ 84,000 |
| Kankakee, Illinois | 2 | $ 123,000 | $ 61,500 | $ 36,000 |
| Madison, Illinois | 2 | $ 185,000 | $ 92,500 | $ 100,000 |
| Schuyler, Illinois | 2 | $ 225,000 | $ 112,500 | $ 89,000 |
| Tippecanoe, Indiana | 2 | $ 232,000 | $ 116,000 | $ 93,000 |
| Pima, Arizona | 1 | $ 168,000 | $ 168,000 | $ 182,000 |
| Denver, Colorado | 1 | $ 265,000 | $ 265,000 | $ 124,000 |
| Marion, Florida | 1 | $ 238,000 | $ 238,000 | $ 134,000 |
| Monroe, Florida | 1 | $ 529,000 | $ 529,000 | $ 227,000 |
| Pinellas, Florida | 1 | $ 238,000 | $ 238,000 | $ 384,000 |
| Maui, Hawaii | 1 | $ 402,000 | $ 402,000 | $ 1,171,000 |
| Calhoun, Illinois | 1 | $ 28,000 | $ 28,000 | $ 84,000 |
| Clark, Illinois | 1 | $ 97,000 | $ 97,000 | $ 65,000 |
| Edgar, Illinois | 1 | $ 9,000 | $ 9,000 | $ 71,000 |
| Ford, Illinois | 1 | $ 75,000 | $ 75,000 | $ 108,000 |
| Jackson, Illinois | 1 | $ 71,000 | $ 71,000 | $ 25,000 |
| Jefferson, Illinois | 1 | $ 74,000 | $ 74,000 | $ 86,000 |
| LaSalle, Illinois | 1 | $ 152,000 | $ 152,000 | $ 146,000 |
| Lawrence, Illinois | 1 | $ 51,000 | $ 51,000 | $ 80,000 |
| McDonough, Illinois | 1 | $ 51,000 | $ 51,000 | $ 46,000 |
| McHenry, Illinois | 1 | $ 128,000 | $ 128,000 | $ 105,000 |
| Monroe, Illinois | 1 | $ 178,000 | $ 178,000 | $ 60,000 |
| Ogle, Illinois | 1 | $ 239,000 | $ 239,000 | $ 100,000 |
| Randolph, Illinois | 1 | $ 50,000 | $ 50,000 | $ 64,000 |
| Union, Illinois | 1 | $ 130,000 | $ 130,000 | $ 162,000 |
| Boone, Indiana | 1 | $ 232,000 | $ 232,000 | $ 153,000 |
| Clay, Indiana | 1 | $ 76,000 | $ 76,000 | $ 55,000 |
| Gibson, Indiana | 1 | $ 100,000 | $ 100,000 | $ 150,000 |
| Ripley, Indiana | 1 | $ 335,000 | $ 335,000 | $ 158,000 |
| Vigo, Indiana | 1 | $ 76,000 | $ 76,000 | $ 98,000 |
| Daviess, Kentucky | 1 | $ 248,000 | $ 248,000 | $ 135,000 |
| Marion, Missouri | 1 | $ 87,000 | $ 87,000 | $ 33,000 |
| St. Louis, Missouri | 1 | $ 165,000 | $ 165,000 | $ 177,000 |
| St. Louis City, Missouri | 1 | $ 92,000 | $ 92,000 | $ 42,000 |
| Beaufort, North Carolina | 1 | $ 170,000 | $ 170,000 | $ 55,000 |
| Portage, Ohio | 1 | $ 363,000 | $ 363,000 | $ 200,000 |
| Tulsa, Oklahoma | 1 | $ 130,000 | $ 130,000 | $ 101,000 |
| Charleston, South Carolina | 1 | $ 178,000 | $ 178,000 | $ 213,000 |
| Shelby, Tennessee | 1 | $ 201,000 | $ 201,000 | $ 84,000 |
| Parker, Texas | 1 | $ 75,000 | $ 75,000 | $ 185,000 |
| Tarrant, Texas | 1 | $ 133,000 | $ 133,000 | $ 275,000 |
Mortgage Loan Application Detail Totals for Prairie State Bank & Trust in 2012
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 | 1,830 | $266,728,000 | $145,000 | $2,500,000 | $113,000 | $1,848,000 |
| Home Purchase | 471 | $65,364,000 | $138,000 | $4,036,000 | $116,000 | $1,198,000 |
| Home Improvement | 33 | $2,019,000 | $61,000 | $668,000 | $70,000 | $260,000 |
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 | 2,197 | $303,019,000 | $137,000 | $1,447,000 | $115,000 | $1,848,000 |
| Not applicable | 56 | $18,919,000 | $337,000 | $4,036,000 | $7,000 | $365,000 |
| Asian | 43 | $7,664,000 | $178,000 | $417,000 | $149,000 | $646,000 |
| Black or African American | 17 | $1,743,000 | $102,000 | $231,000 | $69,000 | $128,000 |
| Hispanic | 16 | $2,051,000 | $128,000 | $417,000 | $153,000 | $581,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $437,000 | $218,000 | $261,000 | $173,000 | $180,000 |
| Not Provided | 2 | $157,000 | $78,000 | $100,000 | $54,000 | $69,000 |
| American Indian or Alaskan Native | 1 | $121,000 | $121,000 | $121,000 | $128,000 | $128,000 |
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) | 2,334 | $334,111,000 | $143,000 | $4,036,000 | $113,000 | $1,848,000 |
| 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 | 2,295 | $329,545,000 | $143,000 | $4,036,000 | $114,000 | $1,848,000 |
| Application Denied By Financial Institution | 28 | $2,944,000 | $105,000 | $238,000 | $56,000 | $145,000 |
| Application Approved But Not Accepted | 6 | $812,000 | $135,000 | $223,000 | $79,000 | $118,000 |
| Application Withdrawn By Applicant | 5 | $810,000 | $162,000 | $230,000 | $106,000 | $135,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 1 | $238,000 | $238,000 | $238,000 | $82,000 | $82,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Prairie State Bank & Trust's 2012 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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