Prairie State Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Prairie State Bank & Trust of Springfield, IL reported 709 mortgage applications totaling $106.0 million, up 18% from 2018. The average application was for $149,569, and applicants reported an average income of $121,816. 88% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Decatur, IL (190), Springfield, IL (176) and Champaign-Urbana, IL (47) (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 | 709 |
| Total Mortgage Loan Application Amount | $106,045,000 |
| Average Mortgage Loan Application Amount | $149,569 |
| Highest Mortgage Loan Application Amount | $4,735,000 |
| Average Applicant Income | $121,816 |
| Highest Applicant Income | $887,000 |
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records Prairie State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 190 | $ 27,280,000 | $ 143,578 | $ 102,000 |
| Sangamon, Illinois | 173 | $ 28,005,000 | $ 161,878 | $ 152,000 |
| Morgan, Illinois | 77 | $ 6,015,000 | $ 78,116 | $ 201,000 |
| Coles, Illinois | 73 | $ 8,445,000 | $ 115,684 | $ 67,000 |
| Champaign, Illinois | 41 | $ 9,205,000 | $ 224,512 | $ 117,000 |
| McLean, Illinois | 34 | $ 9,740,000 | $ 286,470 | $ 123,000 |
| Macoupin, Illinois | 18 | $ 2,120,000 | $ 117,777 | $ 75,000 |
| Fulton, Illinois | 13 | $ 1,485,000 | $ 114,230 | $ 79,000 |
| Piatt, Illinois | 6 | $ 680,000 | $ 113,333 | $ 90,000 |
| Pike, Illinois | 6 | $ 280,000 | $ 46,666 | $ 63,000 |
| Brown, Illinois | 5 | $ 435,000 | $ 87,000 | $ 88,000 |
| Shelby, Illinois | 5 | $ 505,000 | $ 101,000 | $ 98,000 |
| Douglas, Illinois | 4 | $ 530,000 | $ 132,500 | $ 96,000 |
| Camden, Missouri | 4 | $ 1,040,000 | $ 260,000 | $ 136,000 |
| Menard, Illinois | 3 | $ 885,000 | $ 295,000 | $ 151,000 |
| Monroe, Illinois | 3 | $ 645,000 | $ 215,000 | $ 114,000 |
| Moultrie, Illinois | 3 | $ 415,000 | $ 138,333 | $ 56,000 |
| Scott, Illinois | 3 | $ 315,000 | $ 105,000 | $ 64,000 |
| Cass, Illinois | 2 | $ 220,000 | $ 110,000 | $ 120,000 |
| Christian, Illinois | 2 | $ 370,000 | $ 185,000 | $ 308,000 |
| Cumberland, Illinois | 2 | $ 240,000 | $ 120,000 | $ 65,000 |
| Greene, Illinois | 2 | $ 260,000 | $ 130,000 | $ 88,000 |
| Logan, Illinois | 2 | $ 270,000 | $ 135,000 | $ 157,000 |
| Schuyler, Illinois | 2 | $ 280,000 | $ 140,000 | $ 94,000 |
| Leelanau, Michigan | 2 | $ 850,000 | $ 425,000 | $ 257,000 |
| Denver, Colorado | 1 | $ 565,000 | $ 565,000 | $ 521,000 |
| Pasco, Florida | 1 | $ 425,000 | $ 425,000 | $ 121,000 |
| Sarasota, Florida | 1 | $ 245,000 | $ 245,000 | $ 93,000 |
| St. Lucie, Florida | 1 | $ 155,000 | $ 155,000 | $ 124,000 |
| Fulton, Georgia | 1 | $ 595,000 | $ 595,000 | $ 345,000 |
| Adams, Illinois | 1 | $ 135,000 | $ 135,000 | $ 102,000 |
| Clark, Illinois | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Clay, Illinois | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| De Witt, Illinois | 1 | $ 75,000 | $ 75,000 | $ 0 |
| DuPage, Illinois | 1 | $ 295,000 | $ 295,000 | $ 152,000 |
| Edgar, Illinois | 1 | $ 185,000 | $ 185,000 | $ 170,000 |
| Effingham, Illinois | 1 | $ 205,000 | $ 205,000 | $ 141,000 |
| Ford, Illinois | 1 | $ 55,000 | $ 55,000 | $ 4,000 |
| Franklin, Illinois | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Iroquois, Illinois | 1 | $ 125,000 | $ 125,000 | $ 84,000 |
| Kankakee, Illinois | 1 | $ 155,000 | $ 155,000 | $ 112,000 |
| Madison, Illinois | 1 | $ 265,000 | $ 265,000 | $ 134,000 |
| Mason, Illinois | 1 | $ 75,000 | $ 75,000 | $ 81,000 |
| Peoria, Illinois | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Perry, Illinois | 1 | $ 25,000 | $ 25,000 | $ 74,000 |
| St. Clair, Illinois | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Tazewell, Illinois | 1 | $ 85,000 | $ 85,000 | $ 24,000 |
| Boone, Indiana | 1 | $ 245,000 | $ 245,000 | $ 175,000 |
| Lafayette, Mississippi | 1 | $ 135,000 | $ 135,000 | $ 116,000 |
| St. Charles, Missouri | 1 | $ 195,000 | $ 195,000 | $ 143,000 |
| Stone, Missouri | 1 | $ 45,000 | $ 45,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Prairie State Bank & Trust in 2019
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 | 341 | $52,685,000 | $154,000 | $2,245,000 | $107,000 | $887,000 |
| Refinancing | 194 | $32,580,000 | $167,000 | $4,735,000 | $159,000 | $630,000 |
| Cash-out Refinancing | 120 | $16,160,000 | $134,000 | $565,000 | $107,000 | $615,000 |
| Home Improvement | 33 | $2,025,000 | $61,000 | $385,000 | $98,000 | $267,000 |
| Other Purpose | 21 | $2,595,000 | $123,000 | $445,000 | $141,000 | $534,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 639 | $84,165,000 | $131,000 | $595,000 | $114,000 | $876,000 |
| Asian | 32 | $7,480,000 | $233,000 | $485,000 | $283,000 | $887,000 |
| Not applicable | 24 | $12,550,000 | $522,000 | $4,735,000 | $0 | $0 |
| Black or African American | 8 | $1,200,000 | $150,000 | $395,000 | $122,000 | $400,000 |
| Not Provided | 5 | $585,000 | $117,000 | $175,000 | $109,000 | $225,000 |
| Hispanic | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 709 | $106,045,000 | $149,000 | $4,735,000 | $122,000 | $887,000 |
| 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 | 626 | $95,950,000 | $153,000 | $4,735,000 | $128,000 | $887,000 |
| Application Denied By Financial Institution | 47 | $4,905,000 | $104,000 | $355,000 | $59,000 | $232,000 |
| Application Approved But Not Accepted | 33 | $4,685,000 | $141,000 | $425,000 | $115,000 | $472,000 |
| Application Withdrawn By Applicant | 3 | $505,000 | $168,000 | $235,000 | $67,000 | $86,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 662 | $101,140,000 | $152,000 | $4,735,000 | $127,000 | $887,000 |
| Credit History | 28 | $2,860,000 | $102,000 | $355,000 | $61,000 | $225,000 |
| Debt-To-Income Ratio | 16 | $1,670,000 | $104,000 | $205,000 | $44,000 | $119,000 |
| Other | 3 | $375,000 | $125,000 | $265,000 | $128,000 | $232,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Prairie State Bank & Trust's 2019 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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