Prairie State Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Prairie State Bank & Trust of Springfield, IL reported 1,070 mortgage applications totaling $135.4 million, up 20% from 2014. The average application was for $126,500, and applicants reported an average income of $91,171. 97% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Decatur, IL (284), Springfield, IL (252) and Champaign-Urbana, IL (113) (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 | 1,070 |
| Total Mortgage Loan Application Amount | $135,356,000 |
| Average Mortgage Loan Application Amount | $126,500 |
| Highest Mortgage Loan Application Amount | $1,260,000 |
| Average Applicant Income | $91,171 |
| Highest Applicant Income | $1,460,000 |
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records Prairie State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 284 | $ 34,531,000 | $ 121,588 | $ 88,000 |
| Sangamon, Illinois | 250 | $ 35,403,000 | $ 141,612 | $ 103,000 |
| Coles, Illinois | 108 | $ 11,166,000 | $ 103,388 | $ 78,000 |
| Champaign, Illinois | 100 | $ 16,621,000 | $ 166,210 | $ 78,000 |
| Morgan, Illinois | 77 | $ 6,604,000 | $ 85,766 | $ 122,000 |
| McLean, Illinois | 69 | $ 9,139,000 | $ 132,449 | $ 74,000 |
| Macoupin, Illinois | 30 | $ 1,920,000 | $ 64,000 | $ 61,000 |
| Piatt, Illinois | 13 | $ 1,700,000 | $ 130,769 | $ 78,000 |
| Moultrie, Illinois | 12 | $ 857,000 | $ 71,416 | $ 76,000 |
| De Witt, Illinois | 10 | $ 1,483,000 | $ 148,300 | $ 81,000 |
| Cook, Illinois | 8 | $ 1,792,000 | $ 224,000 | $ 129,000 |
| Cumberland, Illinois | 8 | $ 639,000 | $ 79,875 | $ 66,000 |
| Fulton, Illinois | 8 | $ 488,000 | $ 61,000 | $ 66,000 |
| Shelby, Illinois | 8 | $ 623,000 | $ 77,875 | $ 64,000 |
| Christian, Illinois | 7 | $ 736,000 | $ 105,142 | $ 104,000 |
| Douglas, Illinois | 6 | $ 820,000 | $ 136,666 | $ 53,000 |
| Greene, Illinois | 6 | $ 877,000 | $ 146,166 | $ 107,000 |
| Cass, Illinois | 5 | $ 415,000 | $ 83,000 | $ 67,000 |
| Logan, Illinois | 5 | $ 290,000 | $ 58,000 | $ 68,000 |
| Woodford, Illinois | 4 | $ 613,000 | $ 153,250 | $ 83,000 |
| Brown, Illinois | 3 | $ 233,000 | $ 77,666 | $ 76,000 |
| Collier, Florida | 2 | $ 623,000 | $ 311,500 | $ 423,000 |
| Adams, Illinois | 2 | $ 193,000 | $ 96,500 | $ 56,000 |
| Clark, Illinois | 2 | $ 127,000 | $ 63,500 | $ 110,000 |
| DuPage, Illinois | 2 | $ 1,538,000 | $ 769,000 | $ 47,000 |
| Franklin, Illinois | 2 | $ 298,000 | $ 149,000 | $ 127,000 |
| Grundy, Illinois | 2 | $ 267,000 | $ 133,500 | $ 105,000 |
| Mason, Illinois | 2 | $ 81,000 | $ 40,500 | $ 263,000 |
| Menard, Illinois | 2 | $ 213,000 | $ 106,500 | $ 86,000 |
| Scott, Illinois | 2 | $ 183,000 | $ 91,500 | $ 47,000 |
| Camden, Missouri | 2 | $ 612,000 | $ 306,000 | $ 168,000 |
| St. Charles, Missouri | 2 | $ 192,000 | $ 96,000 | $ 92,000 |
| Clear Creek, Colorado | 1 | $ 168,000 | $ 168,000 | $ 174,000 |
| Elbert, Colorado | 1 | $ 208,000 | $ 208,000 | $ 50,000 |
| Grand, Colorado | 1 | $ 45,000 | $ 45,000 | $ 52,000 |
| DeKalb, Georgia | 1 | $ 70,000 | $ 70,000 | $ 164,000 |
| Fayette, Illinois | 1 | $ 265,000 | $ 265,000 | $ 100,000 |
| Iroquois, Illinois | 1 | $ 132,000 | $ 132,000 | $ 57,000 |
| Jefferson, Illinois | 1 | $ 166,000 | $ 166,000 | $ 77,000 |
| Lake, Illinois | 1 | $ 61,000 | $ 61,000 | $ 133,000 |
| Madison, Illinois | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Montgomery, Illinois | 1 | $ 86,000 | $ 86,000 | $ 68,000 |
| Peoria, Illinois | 1 | $ 225,000 | $ 225,000 | $ 167,000 |
| Randolph, Illinois | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Schuyler, Illinois | 1 | $ 56,000 | $ 56,000 | $ 230,000 |
| St. Clair, Illinois | 1 | $ 88,000 | $ 88,000 | $ 92,000 |
| Tazewell, Illinois | 1 | $ 278,000 | $ 278,000 | $ 186,000 |
| Vermilion, Illinois | 1 | $ 194,000 | $ 194,000 | $ 125,000 |
| Wayne, Illinois | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Will, Illinois | 1 | $ 55,000 | $ 55,000 | $ 132,000 |
| Tippecanoe, Indiana | 1 | $ 132,000 | $ 132,000 | $ 50,000 |
| Vanderburgh, Indiana | 1 | $ 143,000 | $ 143,000 | $ 77,000 |
| Jefferson, Missouri | 1 | $ 138,000 | $ 138,000 | $ 53,000 |
| Morgan, Missouri | 1 | $ 121,000 | $ 121,000 | $ 226,000 |
| St. Louis, Missouri | 1 | $ 210,000 | $ 210,000 | $ 221,000 |
| Iredell, North Carolina | 1 | $ 288,000 | $ 288,000 | $ 285,000 |
| Carroll, Tennessee | 1 | $ 53,000 | $ 53,000 | $ 120,000 |
| Shelby, Tennessee | 1 | $ 210,000 | $ 210,000 | $ 102,000 |
| Bexar, Texas | 1 | $ 370,000 | $ 370,000 | $ 240,000 |
Mortgage Loan Application Detail Totals for Prairie State Bank & Trust in 2015
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 | 566 | $73,228,000 | $129,000 | $1,256,000 | $87,000 | $427,000 |
| Refinancing | 432 | $54,123,000 | $125,000 | $661,000 | $98,000 | $1,460,000 |
| Home Improvement | 72 | $8,005,000 | $111,000 | $1,260,000 | $83,000 | $578,000 |
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 | 953 | $114,960,000 | $120,000 | $935,000 | $98,000 | $1,460,000 |
| Not applicable | 77 | $13,370,000 | $173,000 | $1,260,000 | $0 | $0 |
| Asian | 25 | $5,144,000 | $205,000 | $417,000 | $137,000 | $631,000 |
| Hispanic | 10 | $1,272,000 | $127,000 | $420,000 | $117,000 | $252,000 |
| Black or African American | 4 | $552,000 | $138,000 | $299,000 | $86,000 | $121,000 |
| Not Provided | 1 | $58,000 | $58,000 | $58,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,070 | $135,356,000 | $126,000 | $1,260,000 | $91,000 | $1,460,000 |
| 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 | 1,040 | $132,157,000 | $127,000 | $1,260,000 | $92,000 | $1,460,000 |
| Application Denied By Financial Institution | 15 | $1,906,000 | $127,000 | $420,000 | $73,000 | $252,000 |
| Application Withdrawn By Applicant | 13 | $1,157,000 | $89,000 | $163,000 | $66,000 | $146,000 |
| Loan Purchased By The Institution | 2 | $136,000 | $68,000 | $78,000 | $17,000 | $35,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 2015 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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