Prairie State Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Prairie State Bank & Trust of Springfield, IL reported 493 mortgage applications totaling $93.5 million, down 54% from 2021. The average application was for $189,665, and applicants reported an average income of $138,217. 88% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Decatur, IL (129), Springfield, IL (118) and Bloomington, IL (58) (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 | 493 |
| Total Mortgage Loan Application Amount | $93,505,000 |
| Average Mortgage Loan Application Amount | $189,665 |
| Highest Mortgage Loan Application Amount | $4,135,000 |
| Average Applicant Income | $138,217 |
| Highest Applicant Income | $3,584,000 |
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records Prairie State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 129 | $ 17,095,000 | $ 132,519 | $ 126,000 |
| Sangamon, Illinois | 116 | $ 20,980,000 | $ 180,862 | $ 201,000 |
| McLean, Illinois | 58 | $ 16,210,000 | $ 279,482 | $ 126,000 |
| Coles, Illinois | 52 | $ 6,860,000 | $ 131,923 | $ 95,000 |
| Champaign, Illinois | 27 | $ 14,125,000 | $ 523,148 | $ 95,000 |
| Morgan, Illinois | 18 | $ 1,900,000 | $ 105,555 | $ 110,000 |
| Macoupin, Illinois | 12 | $ 700,000 | $ 58,333 | $ 56,000 |
| Fulton, Illinois | 11 | $ 1,095,000 | $ 99,545 | $ 76,000 |
| Piatt, Illinois | 7 | $ 545,000 | $ 77,857 | $ 51,000 |
| Cass, Illinois | 6 | $ 510,000 | $ 85,000 | $ 105,000 |
| Douglas, Illinois | 5 | $ 785,000 | $ 157,000 | $ 78,000 |
| Shelby, Illinois | 5 | $ 345,000 | $ 69,000 | $ 88,000 |
| Tazewell, Illinois | 5 | $ 5,295,000 | $ 1,059,000 | $ 112,000 |
| Christian, Illinois | 4 | $ 910,000 | $ 227,500 | $ 141,000 |
| Madison, Illinois | 3 | $ 465,000 | $ 155,000 | $ 69,000 |
| Peoria, Illinois | 3 | $ 415,000 | $ 138,333 | $ 62,000 |
| Clark, Illinois | 2 | $ 140,000 | $ 70,000 | $ 27,000 |
| Menard, Illinois | 2 | $ 200,000 | $ 100,000 | $ 116,000 |
| Montgomery, Illinois | 2 | $ 200,000 | $ 100,000 | $ 48,000 |
| Moultrie, Illinois | 2 | $ 190,000 | $ 95,000 | $ 117,000 |
| Pike, Illinois | 2 | $ 120,000 | $ 60,000 | $ 89,000 |
| Scott, Illinois | 2 | $ 100,000 | $ 50,000 | $ 105,000 |
| Vermilion, Illinois | 2 | $ 180,000 | $ 90,000 | $ 89,000 |
| Durham, North Carolina | 2 | $ 880,000 | $ 440,000 | $ 0 |
| Adams, Illinois | 1 | $ 185,000 | $ 185,000 | $ 120,000 |
| Brown, Illinois | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Cumberland, Illinois | 1 | $ 125,000 | $ 125,000 | $ 135,000 |
| De Witt, Illinois | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Franklin, Illinois | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Greene, Illinois | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Iroquois, Illinois | 1 | $ 225,000 | $ 225,000 | $ 120,000 |
| Logan, Illinois | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Mason, Illinois | 1 | $ 195,000 | $ 195,000 | $ 240,000 |
| McDonough, Illinois | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| St. Clair, Illinois | 1 | $ 235,000 | $ 235,000 | $ 224,000 |
| Hamilton, Indiana | 1 | $ 375,000 | $ 375,000 | $ 150,000 |
| Houghton, Michigan | 1 | $ 175,000 | $ 175,000 | $ 84,000 |
| Camden, Missouri | 1 | $ 355,000 | $ 355,000 | $ 132,000 |
| Marion, Missouri | 1 | $ 175,000 | $ 175,000 | $ 3,584,000 |
| Clark, Nevada | 1 | $ 525,000 | $ 525,000 | $ 146,000 |
Mortgage Loan Application Detail Totals for Prairie State Bank & Trust in 2022
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 | 284 | $61,020,000 | $214,000 | $4,135,000 | $134,000 | $1,447,000 |
| Refinancing | 89 | $15,105,000 | $169,000 | $1,805,000 | $191,000 | $3,584,000 |
| Cash-out Refinancing | 82 | $14,030,000 | $171,000 | $2,435,000 | $101,000 | $580,000 |
| Home Improvement | 20 | $1,880,000 | $94,000 | $755,000 | $134,000 | $263,000 |
| Other Purpose | 18 | $1,470,000 | $81,000 | $635,000 | $118,000 | $574,000 |
| 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 | 371 | $51,885,000 | $139,000 | $895,000 | $125,000 | $3,584,000 |
| Not applicable | 60 | $29,810,000 | $496,000 | $4,135,000 | $0 | $0 |
| Asian | 29 | $7,055,000 | $243,000 | $625,000 | $270,000 | $1,182,000 |
| Not Provided | 18 | $3,060,000 | $170,000 | $465,000 | $192,000 | $882,000 |
| Black or African American | 11 | $1,225,000 | $111,000 | $225,000 | $116,000 | $292,000 |
| Hispanic | 4 | $470,000 | $117,000 | $155,000 | $98,000 | $188,000 |
| 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) | 493 | $93,505,000 | $189,000 | $4,135,000 | $138,000 | $3,584,000 |
| 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 | 433 | $84,395,000 | $194,000 | $4,135,000 | $143,000 | $3,584,000 |
| Application Approved But Not Accepted | 45 | $7,775,000 | $172,000 | $555,000 | $125,000 | $882,000 |
| Application Denied By Financial Institution | 15 | $1,335,000 | $89,000 | $215,000 | $50,000 | $107,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 478 | $92,170,000 | $192,000 | $4,135,000 | $141,000 | $3,584,000 |
| Debt-To-Income Ratio | 7 | $835,000 | $119,000 | $215,000 | $50,000 | $107,000 |
| Credit History | 5 | $335,000 | $67,000 | $125,000 | $50,000 | $81,000 |
| Collateral | 2 | $70,000 | $35,000 | $45,000 | $59,000 | $86,000 |
| Other | 1 | $95,000 | $95,000 | $95,000 | $37,000 | $37,000 |
| 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 |
| 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 2022 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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