Prairie State Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Prairie State Bank & Trust of Springfield, IL reported 1,575 mortgage applications totaling $282.5 million, up 122% from 2019. The average application was for $179,387, and applicants reported an average income of $143,326. 87% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Decatur, IL (366), Springfield, IL (338) and Champaign-Urbana, IL (157) (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 | 1,575 |
| Total Mortgage Loan Application Amount | $282,535,000 |
| Average Mortgage Loan Application Amount | $179,387 |
| Highest Mortgage Loan Application Amount | $3,835,000 |
| Average Applicant Income | $143,326 |
| Highest Applicant Income | $2,724,000 |
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records Prairie State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 366 | $ 59,500,000 | $ 162,568 | $ 121,000 |
| Sangamon, Illinois | 329 | $ 69,935,000 | $ 212,568 | $ 204,000 |
| Coles, Illinois | 151 | $ 17,765,000 | $ 117,649 | $ 98,000 |
| Champaign, Illinois | 149 | $ 37,715,000 | $ 253,120 | $ 134,000 |
| McLean, Illinois | 127 | $ 25,655,000 | $ 202,007 | $ 135,000 |
| Morgan, Illinois | 106 | $ 13,680,000 | $ 129,056 | $ 119,000 |
| Macoupin, Illinois | 39 | $ 4,475,000 | $ 114,743 | $ 94,000 |
| Fulton, Illinois | 22 | $ 3,460,000 | $ 157,272 | $ 99,000 |
| Moultrie, Illinois | 15 | $ 1,985,000 | $ 132,333 | $ 203,000 |
| Shelby, Illinois | 15 | $ 2,245,000 | $ 149,666 | $ 85,000 |
| Cass, Illinois | 13 | $ 1,725,000 | $ 132,692 | $ 102,000 |
| Christian, Illinois | 10 | $ 1,600,000 | $ 160,000 | $ 107,000 |
| Tazewell, Illinois | 10 | $ 1,510,000 | $ 151,000 | $ 112,000 |
| Douglas, Illinois | 9 | $ 815,000 | $ 90,555 | $ 70,000 |
| Menard, Illinois | 9 | $ 1,685,000 | $ 187,222 | $ 222,000 |
| Scott, Illinois | 9 | $ 1,195,000 | $ 132,777 | $ 105,000 |
| Camden, Missouri | 9 | $ 2,745,000 | $ 305,000 | $ 117,000 |
| Cook, Illinois | 8 | $ 2,830,000 | $ 353,750 | $ 473,000 |
| DuPage, Illinois | 8 | $ 2,670,000 | $ 333,750 | $ 472,000 |
| Piatt, Illinois | 8 | $ 1,160,000 | $ 145,000 | $ 111,000 |
| Schuyler, Illinois | 7 | $ 715,000 | $ 102,142 | $ 83,000 |
| Cumberland, Illinois | 6 | $ 680,000 | $ 113,333 | $ 71,000 |
| Greene, Illinois | 6 | $ 1,320,000 | $ 220,000 | $ 109,000 |
| Pike, Illinois | 6 | $ 490,000 | $ 81,666 | $ 100,000 |
| Edgar, Illinois | 5 | $ 305,000 | $ 61,000 | $ 63,000 |
| Montgomery, Illinois | 5 | $ 905,000 | $ 181,000 | $ 106,000 |
| Vermilion, Illinois | 5 | $ 1,095,000 | $ 219,000 | $ 120,000 |
| Adams, Illinois | 4 | $ 580,000 | $ 145,000 | $ 720,000 |
| Woodford, Illinois | 4 | $ 1,490,000 | $ 372,500 | $ 211,000 |
| Brown, Illinois | 3 | $ 275,000 | $ 91,666 | $ 54,000 |
| De Witt, Illinois | 3 | $ 915,000 | $ 305,000 | $ 165,000 |
| Ford, Illinois | 3 | $ 245,000 | $ 81,666 | $ 70,000 |
| Madison, Illinois | 3 | $ 635,000 | $ 211,666 | $ 126,000 |
| Mason, Illinois | 3 | $ 265,000 | $ 88,333 | $ 72,000 |
| St. Louis City, Missouri | 3 | $ 345,000 | $ 115,000 | $ 49,000 |
| Jefferson, Colorado | 2 | $ 910,000 | $ 455,000 | $ 529,000 |
| Charlotte, Florida | 2 | $ 560,000 | $ 280,000 | $ 334,000 |
| Fulton, Georgia | 2 | $ 580,000 | $ 290,000 | $ 354,000 |
| Logan, Illinois | 2 | $ 200,000 | $ 100,000 | $ 199,000 |
| Peoria, Illinois | 2 | $ 340,000 | $ 170,000 | $ 132,000 |
| Will, Illinois | 2 | $ 420,000 | $ 210,000 | $ 98,000 |
| St. Charles, Missouri | 2 | $ 390,000 | $ 195,000 | $ 107,000 |
| Shelby, Tennessee | 2 | $ 590,000 | $ 295,000 | $ 174,000 |
| Maricopa, Arizona | 1 | $ 215,000 | $ 215,000 | $ 57,000 |
| Collier, Florida | 1 | $ 505,000 | $ 505,000 | $ 370,000 |
| Miami-Dade, Florida | 1 | $ 115,000 | $ 115,000 | $ 538,000 |
| Palm Beach, Florida | 1 | $ 365,000 | $ 365,000 | $ 584,000 |
| Pinellas, Florida | 1 | $ 295,000 | $ 295,000 | $ 144,000 |
| Sarasota, Florida | 1 | $ 205,000 | $ 205,000 | $ 106,000 |
| St. Lucie, Florida | 1 | $ 275,000 | $ 275,000 | $ 569,000 |
| Union, Georgia | 1 | $ 145,000 | $ 145,000 | $ 68,000 |
| Clark, Illinois | 1 | $ 75,000 | $ 75,000 | $ 92,000 |
| Effingham, Illinois | 1 | $ 195,000 | $ 195,000 | $ 167,000 |
| Franklin, Illinois | 1 | $ 145,000 | $ 145,000 | $ 128,000 |
| Iroquois, Illinois | 1 | $ 65,000 | $ 65,000 | $ 71,000 |
| Jersey, Illinois | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Kankakee, Illinois | 1 | $ 155,000 | $ 155,000 | $ 105,000 |
| Lee, Illinois | 1 | $ 115,000 | $ 115,000 | $ 555,000 |
| McDonough, Illinois | 1 | $ 155,000 | $ 155,000 | $ 136,000 |
| Monroe, Illinois | 1 | $ 215,000 | $ 215,000 | $ 120,000 |
| Ogle, Illinois | 1 | $ 215,000 | $ 215,000 | $ 138,000 |
| St. Clair, Illinois | 1 | $ 265,000 | $ 265,000 | $ 137,000 |
| Boone, Indiana | 1 | $ 245,000 | $ 245,000 | $ 178,000 |
| Hamilton, Indiana | 1 | $ 265,000 | $ 265,000 | $ 93,000 |
| Iowa, Iowa | 1 | $ 195,000 | $ 195,000 | $ 158,000 |
| Calloway, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 91,000 |
| Leelanau, Michigan | 1 | $ 515,000 | $ 515,000 | $ 516,000 |
| Scott, Minnesota | 1 | $ 515,000 | $ 515,000 | $ 301,000 |
| Miller, Missouri | 1 | $ 185,000 | $ 185,000 | $ 258,000 |
| Ripley, Missouri | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Stone, Missouri | 1 | $ 255,000 | $ 255,000 | $ 193,000 |
| Washoe, Nevada | 1 | $ 215,000 | $ 215,000 | $ 133,000 |
| Orange, North Carolina | 1 | $ 435,000 | $ 435,000 | $ 66,000 |
| Tulsa, Oklahoma | 1 | $ 415,000 | $ 415,000 | $ 172,000 |
| Multnomah, Oregon | 1 | $ 265,000 | $ 265,000 | $ 400,000 |
| Cumberland, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 353,000 |
| Charleston, South Carolina | 1 | $ 355,000 | $ 355,000 | $ 130,000 |
| Denton, Texas | 1 | $ 215,000 | $ 215,000 | $ 182,000 |
| Walworth, Wisconsin | 1 | $ 515,000 | $ 515,000 | $ 190,000 |
Mortgage Loan Application Detail Totals for Prairie State Bank & Trust in 2020
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 | 810 | $151,050,000 | $186,000 | $3,835,000 | $148,000 | $2,724,000 |
| Home Purchase | 384 | $60,490,000 | $157,000 | $1,805,000 | $126,000 | $1,202,000 |
| Cash-out Refinancing | 340 | $66,320,000 | $195,000 | $3,735,000 | $146,000 | $1,665,000 |
| Other Purpose | 24 | $2,810,000 | $117,000 | $315,000 | $211,000 | $1,064,000 |
| Home Improvement | 17 | $1,865,000 | $109,000 | $905,000 | $163,000 | $866,000 |
| 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 | 1,400 | $239,660,000 | $171,000 | $3,735,000 | $131,000 | $2,724,000 |
| Asian | 86 | $19,340,000 | $224,000 | $515,000 | $345,000 | $1,202,000 |
| Not applicable | 39 | $17,095,000 | $438,000 | $3,835,000 | $0 | $0 |
| Black or African American | 18 | $2,370,000 | $131,000 | $385,000 | $136,000 | $400,000 |
| Hispanic | 16 | $1,840,000 | $115,000 | $275,000 | $150,000 | $666,000 |
| Not Provided | 11 | $1,345,000 | $122,000 | $265,000 | $105,000 | $351,000 |
| American Indian or Alaskan Native | 3 | $545,000 | $181,000 | $345,000 | $88,000 | $162,000 |
| 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) | 1,575 | $282,535,000 | $179,000 | $3,835,000 | $143,000 | $2,724,000 |
| 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 | 1,367 | $251,845,000 | $184,000 | $3,835,000 | $149,000 | $2,724,000 |
| Application Denied By Financial Institution | 103 | $12,015,000 | $116,000 | $465,000 | $72,000 | $955,000 |
| Application Approved But Not Accepted | 91 | $16,105,000 | $176,000 | $515,000 | $149,000 | $861,000 |
| Application Withdrawn By Applicant | 8 | $1,960,000 | $245,000 | $505,000 | $131,000 | $240,000 |
| File Closed For Incompleteness | 3 | $435,000 | $145,000 | $145,000 | $106,000 | $118,000 |
| Loan Purchased By The Institution | 3 | $175,000 | $58,000 | $75,000 | $42,000 | $56,000 |
| 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 | 1,472 | $270,520,000 | $183,000 | $3,835,000 | $148,000 | $2,724,000 |
| Credit History | 63 | $7,395,000 | $117,000 | $465,000 | $85,000 | $955,000 |
| Debt-To-Income Ratio | 34 | $4,320,000 | $127,000 | $435,000 | $53,000 | $127,000 |
| Other | 3 | $135,000 | $45,000 | $55,000 | $53,000 | $89,000 |
| Collateral | 2 | $80,000 | $40,000 | $45,000 | $47,000 | $60,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $133,000 | $133,000 |
| 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 2020 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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