Prairie State Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Prairie State Bank & Trust of Springfield, IL reported 1,177 mortgage applications totaling $150.4 million, down 50% from 2012. The average application was for $127,779, and applicants reported an average income of $98,840. 98% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Decatur, IL (383), Springfield, IL (201) and Champaign-Urbana, IL (107) (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 | 1,177 |
| Total Mortgage Loan Application Amount | $150,396,000 |
| Average Mortgage Loan Application Amount | $127,779 |
| Highest Mortgage Loan Application Amount | $6,184,000 |
| Average Applicant Income | $98,840 |
| Highest Applicant Income | $1,172,000 |
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records Prairie State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 383 | $ 41,657,000 | $ 108,765 | $ 98,000 |
| Sangamon, Illinois | 192 | $ 25,729,000 | $ 134,005 | $ 118,000 |
| Coles, Illinois | 166 | $ 17,136,000 | $ 103,228 | $ 87,000 |
| Champaign, Illinois | 90 | $ 24,240,000 | $ 269,333 | $ 109,000 |
| McLean, Illinois | 65 | $ 10,059,000 | $ 154,753 | $ 85,000 |
| Morgan, Illinois | 48 | $ 3,907,000 | $ 81,395 | $ 72,000 |
| Macoupin, Illinois | 36 | $ 2,728,000 | $ 75,777 | $ 68,000 |
| Fulton, Illinois | 22 | $ 1,291,000 | $ 58,681 | $ 60,000 |
| Piatt, Illinois | 14 | $ 1,255,000 | $ 89,642 | $ 115,000 |
| Moultrie, Illinois | 12 | $ 1,174,000 | $ 97,833 | $ 106,000 |
| Menard, Illinois | 9 | $ 919,000 | $ 102,111 | $ 122,000 |
| Shelby, Illinois | 9 | $ 795,000 | $ 88,333 | $ 75,000 |
| Cumberland, Illinois | 8 | $ 910,000 | $ 113,750 | $ 80,000 |
| Douglas, Illinois | 7 | $ 705,000 | $ 100,714 | $ 83,000 |
| Greene, Illinois | 7 | $ 887,000 | $ 126,714 | $ 84,000 |
| Pike, Illinois | 7 | $ 634,000 | $ 90,571 | $ 40,000 |
| Cass, Illinois | 6 | $ 465,000 | $ 77,500 | $ 90,000 |
| Cook, Illinois | 6 | $ 1,077,000 | $ 179,500 | $ 142,000 |
| De Witt, Illinois | 6 | $ 805,000 | $ 134,166 | $ 106,000 |
| Christian, Illinois | 5 | $ 794,000 | $ 158,800 | $ 119,000 |
| DuPage, Illinois | 4 | $ 1,527,000 | $ 381,750 | $ 67,000 |
| Madison, Illinois | 4 | $ 465,000 | $ 116,250 | $ 80,000 |
| Scott, Illinois | 4 | $ 380,000 | $ 95,000 | $ 50,000 |
| Camden, Missouri | 4 | $ 979,000 | $ 244,750 | $ 273,000 |
| Edgar, Illinois | 3 | $ 204,000 | $ 68,000 | $ 56,000 |
| Ford, Illinois | 3 | $ 161,000 | $ 53,666 | $ 96,000 |
| St. Louis, Missouri | 3 | $ 321,000 | $ 107,000 | $ 93,000 |
| San Francisco, California | 2 | $ 485,000 | $ 242,500 | $ 140,000 |
| Brown, Illinois | 2 | $ 305,000 | $ 152,500 | $ 79,000 |
| Kendall, Illinois | 2 | $ 331,000 | $ 165,500 | $ 136,000 |
| Logan, Illinois | 2 | $ 94,000 | $ 47,000 | $ 43,000 |
| Montgomery, Illinois | 2 | $ 91,000 | $ 45,500 | $ 72,000 |
| Peoria, Illinois | 2 | $ 220,000 | $ 110,000 | $ 138,000 |
| Schuyler, Illinois | 2 | $ 157,000 | $ 78,500 | $ 49,000 |
| Tazewell, Illinois | 2 | $ 146,000 | $ 73,000 | $ 58,000 |
| Will, Illinois | 2 | $ 343,000 | $ 171,500 | $ 66,000 |
| Jefferson, Kentucky | 2 | $ 520,000 | $ 260,000 | $ 201,000 |
| Lafayette, Louisiana | 2 | $ 560,000 | $ 280,000 | $ 144,000 |
| Delaware, Ohio | 2 | $ 716,000 | $ 358,000 | $ 530,000 |
| Pima, Arizona | 1 | $ 52,000 | $ 52,000 | $ 18,000 |
| Lake, Colorado | 1 | $ 136,000 | $ 136,000 | $ 340,000 |
| Routt, Colorado | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Broward, Florida | 1 | $ 220,000 | $ 220,000 | $ 57,000 |
| Lee, Florida | 1 | $ 126,000 | $ 126,000 | $ 130,000 |
| Walton, Florida | 1 | $ 647,000 | $ 647,000 | $ 805,000 |
| Adams, Illinois | 1 | $ 272,000 | $ 272,000 | $ 613,000 |
| Clark, Illinois | 1 | $ 111,000 | $ 111,000 | $ 22,000 |
| DeKalb, Illinois | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Effingham, Illinois | 1 | $ 118,000 | $ 118,000 | $ 159,000 |
| Fayette, Illinois | 1 | $ 200,000 | $ 200,000 | $ 98,000 |
| Franklin, Illinois | 1 | $ 224,000 | $ 224,000 | $ 128,000 |
| Jackson, Illinois | 1 | $ 253,000 | $ 253,000 | $ 117,000 |
| Jefferson, Illinois | 1 | $ 168,000 | $ 168,000 | $ 115,000 |
| Livingston, Illinois | 1 | $ 186,000 | $ 186,000 | $ 140,000 |
| Mason, Illinois | 1 | $ 68,000 | $ 68,000 | $ 64,000 |
| McDonough, Illinois | 1 | $ 91,000 | $ 91,000 | $ 91,000 |
| St. Clair, Illinois | 1 | $ 174,000 | $ 174,000 | $ 180,000 |
| Stephenson, Illinois | 1 | $ 97,000 | $ 97,000 | $ 40,000 |
| Vermilion, Illinois | 1 | $ 281,000 | $ 281,000 | $ 125,000 |
| Williamson, Illinois | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Boone, Indiana | 1 | $ 223,000 | $ 223,000 | $ 129,000 |
| Delaware, Indiana | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Gibson, Indiana | 1 | $ 99,000 | $ 99,000 | $ 106,000 |
| Cheboygan, Michigan | 1 | $ 185,000 | $ 185,000 | $ 22,000 |
| Lewis, Missouri | 1 | $ 144,000 | $ 144,000 | $ 71,000 |
| Clark, Nevada | 1 | $ 210,000 | $ 210,000 | $ 488,000 |
| Pitt, North Carolina | 1 | $ 127,000 | $ 127,000 | $ 65,000 |
| Waukesha, Wisconsin | 1 | $ 231,000 | $ 231,000 | $ 167,000 |
Mortgage Loan Application Detail Totals for Prairie State Bank & Trust in 2013
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 | 645 | $87,982,000 | $136,000 | $6,184,000 | $95,000 | $934,000 |
| Home Purchase | 495 | $60,828,000 | $122,000 | $1,400,000 | $106,000 | $1,172,000 |
| Home Improvement | 37 | $1,586,000 | $42,000 | $125,000 | $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 | 1,070 | $121,243,000 | $113,000 | $1,400,000 | $103,000 | $1,172,000 |
| Not applicable | 54 | $21,023,000 | $389,000 | $6,184,000 | $0 | $0 |
| Asian | 23 | $4,369,000 | $189,000 | $417,000 | $137,000 | $661,000 |
| Black or African American | 15 | $1,982,000 | $132,000 | $312,000 | $101,000 | $240,000 |
| Hispanic | 8 | $1,022,000 | $127,000 | $417,000 | $94,000 | $208,000 |
| Not Provided | 3 | $284,000 | $94,000 | $125,000 | $71,000 | $170,000 |
| American Indian or Alaskan Native | 2 | $237,000 | $118,000 | $182,000 | $113,000 | $126,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $236,000 | $118,000 | $127,000 | $78,000 | $92,000 |
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) | 1,177 | $150,396,000 | $127,000 | $6,184,000 | $99,000 | $1,172,000 |
| 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 | 1,152 | $147,935,000 | $128,000 | $6,184,000 | $100,000 | $1,172,000 |
| Application Denied By Financial Institution | 21 | $2,041,000 | $97,000 | $240,000 | $49,000 | $120,000 |
| Application Withdrawn By Applicant | 4 | $420,000 | $105,000 | $136,000 | $64,000 | $170,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2013 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
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