Prairie State Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Prairie State Bank & Trust of Springfield, IL reported 658 mortgage applications totaling $95.4 million, down 38% from 2016. The average application was for $145,013, and applicants reported an average income of $98,696. 96% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Decatur, IL (188), Springfield, IL (144) and Champaign-Urbana, IL (73) (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 | 658 |
| Total Mortgage Loan Application Amount | $95,419,000 |
| Average Mortgage Loan Application Amount | $145,013 |
| Highest Mortgage Loan Application Amount | $2,700,000 |
| Average Applicant Income | $98,696 |
| Highest Applicant Income | $1,299,000 |
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records Prairie State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 188 | $ 21,970,000 | $ 116,861 | $ 96,000 |
| Sangamon, Illinois | 141 | $ 25,780,000 | $ 182,836 | $ 119,000 |
| Champaign, Illinois | 68 | $ 13,695,000 | $ 201,397 | $ 105,000 |
| Morgan, Illinois | 60 | $ 5,841,000 | $ 97,350 | $ 84,000 |
| Coles, Illinois | 56 | $ 5,129,000 | $ 91,589 | $ 74,000 |
| McLean, Illinois | 39 | $ 9,879,000 | $ 253,307 | $ 101,000 |
| Macoupin, Illinois | 16 | $ 1,376,000 | $ 86,000 | $ 44,000 |
| Fulton, Illinois | 15 | $ 1,506,000 | $ 100,400 | $ 68,000 |
| Cass, Illinois | 7 | $ 629,000 | $ 89,857 | $ 48,000 |
| Moultrie, Illinois | 6 | $ 424,000 | $ 70,666 | $ 93,000 |
| Piatt, Illinois | 5 | $ 388,000 | $ 77,600 | $ 175,000 |
| Vermilion, Illinois | 5 | $ 684,000 | $ 136,800 | $ 106,000 |
| Scott, Illinois | 4 | $ 554,000 | $ 138,500 | $ 83,000 |
| Clark, Illinois | 3 | $ 196,000 | $ 65,333 | $ 55,000 |
| Cumberland, Illinois | 3 | $ 276,000 | $ 92,000 | $ 58,000 |
| De Witt, Illinois | 3 | $ 309,000 | $ 103,000 | $ 54,000 |
| Edgar, Illinois | 3 | $ 287,000 | $ 95,666 | $ 154,000 |
| Madison, Illinois | 3 | $ 290,000 | $ 96,666 | $ 109,000 |
| Menard, Illinois | 3 | $ 385,000 | $ 128,333 | $ 87,000 |
| Christian, Illinois | 2 | $ 439,000 | $ 219,500 | $ 168,000 |
| Logan, Illinois | 2 | $ 248,000 | $ 124,000 | $ 22,000 |
| Pike, Illinois | 2 | $ 175,000 | $ 87,500 | $ 43,000 |
| Woodford, Illinois | 2 | $ 453,000 | $ 226,500 | $ 136,000 |
| Scott, Minnesota | 2 | $ 668,000 | $ 334,000 | $ 362,000 |
| Camden, Missouri | 2 | $ 720,000 | $ 360,000 | $ 141,000 |
| Maricopa, Arizona | 1 | $ 165,000 | $ 165,000 | $ 155,000 |
| New Castle, Delaware | 1 | $ 347,000 | $ 347,000 | $ 135,000 |
| Adams, Illinois | 1 | $ 98,000 | $ 98,000 | $ 47,000 |
| Clinton, Illinois | 1 | $ 130,000 | $ 130,000 | $ 102,000 |
| Douglas, Illinois | 1 | $ 140,000 | $ 140,000 | $ 89,000 |
| Franklin, Illinois | 1 | $ 61,000 | $ 61,000 | $ 137,000 |
| Greene, Illinois | 1 | $ 119,000 | $ 119,000 | $ 70,000 |
| Knox, Illinois | 1 | $ 29,000 | $ 29,000 | $ 145,000 |
| Mason, Illinois | 1 | $ 93,000 | $ 93,000 | $ 67,000 |
| Montgomery, Illinois | 1 | $ 296,000 | $ 296,000 | $ 239,000 |
| Schuyler, Illinois | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Shelby, Illinois | 1 | $ 266,000 | $ 266,000 | $ 108,000 |
| Will, Illinois | 1 | $ 200,000 | $ 200,000 | $ 195,000 |
| Hamilton, Indiana | 1 | $ 276,000 | $ 276,000 | $ 81,000 |
| Marion, Indiana | 1 | $ 94,000 | $ 94,000 | $ 389,000 |
| Vigo, Indiana | 1 | $ 55,000 | $ 55,000 | $ 148,000 |
| Houghton, Michigan | 1 | $ 185,000 | $ 185,000 | $ 68,000 |
| Tulsa, Oklahoma | 1 | $ 424,000 | $ 424,000 | $ 160,000 |
Mortgage Loan Application Detail Totals for Prairie State Bank & Trust in 2017
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 | 421 | $61,647,000 | $146,000 | $2,098,000 | $103,000 | $819,000 |
| Refinancing | 172 | $28,063,000 | $163,000 | $2,700,000 | $82,000 | $629,000 |
| Home Improvement | 65 | $5,709,000 | $87,000 | $900,000 | $115,000 | $1,299,000 |
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 | 580 | $79,199,000 | $136,000 | $2,098,000 | $100,000 | $1,299,000 |
| Not applicable | 45 | $9,519,000 | $211,000 | $2,700,000 | $0 | $0 |
| Asian | 21 | $4,122,000 | $196,000 | $644,000 | $248,000 | $819,000 |
| Black or African American | 6 | $1,131,000 | $188,000 | $344,000 | $162,000 | $270,000 |
| Hispanic | 4 | $608,000 | $152,000 | $218,000 | $91,000 | $140,000 |
| Not Provided | 1 | $580,000 | $580,000 | $580,000 | $580,000 | $580,000 |
| American Indian or Alaskan Native | 1 | $260,000 | $260,000 | $260,000 | $80,000 | $80,000 |
| 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) | 658 | $95,419,000 | $145,000 | $2,700,000 | $99,000 | $1,299,000 |
| 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 | 632 | $92,157,000 | $145,000 | $2,700,000 | $99,000 | $1,299,000 |
| Application Withdrawn By Applicant | 15 | $1,768,000 | $117,000 | $320,000 | $109,000 | $640,000 |
| Application Denied By Financial Institution | 9 | $1,277,000 | $141,000 | $366,000 | $85,000 | $231,000 |
| Loan Purchased By The Institution | 2 | $217,000 | $108,000 | $118,000 | $53,000 | $106,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 2017 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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with aggregated HMDA statistics today.
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