Prairie State Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Prairie State Bank & Trust of Springfield, IL reported 1,078 mortgage applications totaling $183.7 million, down 32% from 2020. The average application was for $170,445, and applicants reported an average income of $136,434. 89% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Decatur, IL (248), Springfield, IL (241) and Bloomington, IL (128) (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 | 1,078 |
| Total Mortgage Loan Application Amount | $183,740,000 |
| Average Mortgage Loan Application Amount | $170,445 |
| Highest Mortgage Loan Application Amount | $2,965,000 |
| Average Applicant Income | $136,434 |
| Highest Applicant Income | $2,862,000 |
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records Prairie State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 248 | $ 37,220,000 | $ 150,080 | $ 108,000 |
| Sangamon, Illinois | 232 | $ 44,300,000 | $ 190,948 | $ 188,000 |
| McLean, Illinois | 128 | $ 29,390,000 | $ 229,609 | $ 128,000 |
| Coles, Illinois | 118 | $ 14,340,000 | $ 121,525 | $ 101,000 |
| Morgan, Illinois | 68 | $ 8,870,000 | $ 130,441 | $ 118,000 |
| Champaign, Illinois | 65 | $ 12,645,000 | $ 194,538 | $ 127,000 |
| Macoupin, Illinois | 32 | $ 3,100,000 | $ 96,875 | $ 90,000 |
| Fulton, Illinois | 15 | $ 1,425,000 | $ 95,000 | $ 82,000 |
| Douglas, Illinois | 12 | $ 1,300,000 | $ 108,333 | $ 91,000 |
| Moultrie, Illinois | 11 | $ 1,615,000 | $ 146,818 | $ 100,000 |
| Christian, Illinois | 10 | $ 1,580,000 | $ 158,000 | $ 150,000 |
| Piatt, Illinois | 10 | $ 840,000 | $ 84,000 | $ 73,000 |
| Shelby, Illinois | 10 | $ 980,000 | $ 98,000 | $ 118,000 |
| Cass, Illinois | 9 | $ 1,115,000 | $ 123,888 | $ 101,000 |
| Menard, Illinois | 9 | $ 1,245,000 | $ 138,333 | $ 94,000 |
| Logan, Illinois | 8 | $ 1,540,000 | $ 192,500 | $ 88,000 |
| Tazewell, Illinois | 8 | $ 1,430,000 | $ 178,750 | $ 138,000 |
| Cumberland, Illinois | 7 | $ 715,000 | $ 102,142 | $ 73,000 |
| Cook, Illinois | 6 | $ 1,470,000 | $ 245,000 | $ 380,000 |
| De Witt, Illinois | 5 | $ 1,125,000 | $ 225,000 | $ 116,000 |
| Montgomery, Illinois | 5 | $ 975,000 | $ 195,000 | $ 72,000 |
| Peoria, Illinois | 4 | $ 530,000 | $ 132,500 | $ 166,000 |
| Scott, Illinois | 4 | $ 490,000 | $ 122,500 | $ 77,000 |
| Vermilion, Illinois | 4 | $ 640,000 | $ 160,000 | $ 82,000 |
| Madison, Illinois | 3 | $ 585,000 | $ 195,000 | $ 193,000 |
| Mason, Illinois | 3 | $ 335,000 | $ 111,666 | $ 173,000 |
| Woodford, Illinois | 3 | $ 795,000 | $ 265,000 | $ 208,000 |
| LaSalle, Illinois | 2 | $ 180,000 | $ 90,000 | $ 57,000 |
| Pike, Illinois | 2 | $ 130,000 | $ 65,000 | $ 95,000 |
| Schuyler, Illinois | 2 | $ 180,000 | $ 90,000 | $ 98,000 |
| Morgan, Missouri | 2 | $ 620,000 | $ 310,000 | $ 196,000 |
| Colfax, New Mexico | 2 | $ 520,000 | $ 260,000 | $ 505,000 |
| Adams, Colorado | 1 | $ 305,000 | $ 305,000 | $ 93,000 |
| Broomfield, Colorado | 1 | $ 595,000 | $ 595,000 | $ 382,000 |
| Larimer, Colorado | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Collier, Florida | 1 | $ 2,965,000 | $ 2,965,000 | $ 2,862,000 |
| Duval, Florida | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Highlands, Florida | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| Lee, Florida | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| St. Lucie, Florida | 1 | $ 505,000 | $ 505,000 | $ 926,000 |
| Sumter, Florida | 1 | $ 195,000 | $ 195,000 | $ 137,000 |
| Volusia, Florida | 1 | $ 475,000 | $ 475,000 | $ 900,000 |
| Walton, Florida | 1 | $ 545,000 | $ 545,000 | $ 356,000 |
| Adams, Illinois | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| DuPage, Illinois | 1 | $ 85,000 | $ 85,000 | $ 300,000 |
| Edgar, Illinois | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Effingham, Illinois | 1 | $ 375,000 | $ 375,000 | $ 76,000 |
| Greene, Illinois | 1 | $ 105,000 | $ 105,000 | $ 90,000 |
| Kane, Illinois | 1 | $ 395,000 | $ 395,000 | $ 600,000 |
| Lake, Illinois | 1 | $ 295,000 | $ 295,000 | $ 178,000 |
| St. Clair, Illinois | 1 | $ 85,000 | $ 85,000 | $ 41,000 |
| Washington, Illinois | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| Wayne, Illinois | 1 | $ 115,000 | $ 115,000 | $ 103,000 |
| Dallas, Iowa | 1 | $ 195,000 | $ 195,000 | $ 841,000 |
| Leelanau, Michigan | 1 | $ 355,000 | $ 355,000 | $ 106,000 |
| Platte, Missouri | 1 | $ 305,000 | $ 305,000 | $ 198,000 |
| St. Charles, Missouri | 1 | $ 125,000 | $ 125,000 | $ 415,000 |
| St. Louis, Missouri | 1 | $ 545,000 | $ 545,000 | $ 266,000 |
| Iredell, North Carolina | 1 | $ 265,000 | $ 265,000 | $ 79,000 |
| Orange, North Carolina | 1 | $ 425,000 | $ 425,000 | $ 169,000 |
| Tulsa, Oklahoma | 1 | $ 525,000 | $ 525,000 | $ 172,000 |
| Yamhill, Oregon | 1 | $ 485,000 | $ 485,000 | $ 317,000 |
Mortgage Loan Application Detail Totals for Prairie State Bank & Trust in 2021
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 | 432 | $70,030,000 | $162,000 | $1,925,000 | $130,000 | $973,000 |
| Home Purchase | 381 | $68,665,000 | $180,000 | $2,965,000 | $145,000 | $2,862,000 |
| Cash-out Refinancing | 228 | $40,570,000 | $177,000 | $1,545,000 | $136,000 | $1,696,000 |
| Home Improvement | 19 | $1,015,000 | $53,000 | $355,000 | $109,000 | $344,000 |
| Other Purpose | 18 | $3,460,000 | $192,000 | $855,000 | $144,000 | $696,000 |
| 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 | 918 | $145,220,000 | $158,000 | $2,965,000 | $123,000 | $2,862,000 |
| Not applicable | 54 | $17,940,000 | $332,000 | $1,925,000 | $0 | $0 |
| Asian | 50 | $10,090,000 | $201,000 | $545,000 | $289,000 | $973,000 |
| Not Provided | 24 | $4,980,000 | $207,000 | $595,000 | $193,000 | $780,000 |
| Hispanic | 20 | $4,220,000 | $211,000 | $505,000 | $290,000 | $926,000 |
| Black or African American | 12 | $1,290,000 | $107,000 | $265,000 | $108,000 | $196,000 |
| 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) | 1,078 | $183,740,000 | $170,000 | $2,965,000 | $136,000 | $2,862,000 |
| 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 | 963 | $166,035,000 | $172,000 | $2,965,000 | $139,000 | $2,862,000 |
| Application Approved But Not Accepted | 63 | $10,785,000 | $171,000 | $525,000 | $154,000 | $900,000 |
| Application Denied By Financial Institution | 50 | $6,630,000 | $132,000 | $405,000 | $67,000 | $186,000 |
| Application Withdrawn By Applicant | 1 | $85,000 | $85,000 | $85,000 | $44,000 | $44,000 |
| Loan Purchased By The Institution | 1 | $205,000 | $205,000 | $205,000 | $68,000 | $68,000 |
| 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 |
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 | 1,028 | $177,110,000 | $172,000 | $2,965,000 | $140,000 | $2,862,000 |
| Credit History | 20 | $1,900,000 | $95,000 | $405,000 | $66,000 | $143,000 |
| Debt-To-Income Ratio | 16 | $2,910,000 | $181,000 | $375,000 | $62,000 | $168,000 |
| Other | 9 | $1,525,000 | $169,000 | $405,000 | $74,000 | $118,000 |
| Collateral | 4 | $220,000 | $55,000 | $85,000 | $96,000 | $186,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $33,000 | $33,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Prairie State Bank & Trust's 2021 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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