Prairie State Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Prairie State Bank & Trust of Springfield, IL reported 1,227 mortgage applications totaling $167.7 million, down 20% from 2010. The average application was for $136,693, and applicants reported an average income of $112,030. 97% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Decatur, IL (369), Springfield, IL (297) and Champaign-Urbana, IL (70) (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 | 1,227 |
| Total Mortgage Loan Application Amount | $167,723,000 |
| Average Mortgage Loan Application Amount | $136,693 |
| Highest Mortgage Loan Application Amount | $1,650,000 |
| Average Applicant Income | $112,030 |
| Highest Applicant Income | $1,206,000 |
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records Prairie State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Decatur, IL | 369 | $ 48,702,000 | $ 131,983 | $ 99,000 |
| Springfield, IL | 297 | $ 51,192,000 | $ 172,363 | $ 155,000 |
| Champaign-Urbana, IL | 70 | $ 11,755,000 | $ 167,928 | $ 95,000 |
| St. Louis, MO-IL | 58 | $ 4,701,000 | $ 81,051 | $ 79,793 |
| Bloomington-Normal, IL | 28 | $ 4,889,000 | $ 174,607 | $ 117,000 |
| Naples-Marco Island, FL | 5 | $ 2,244,000 | $ 448,800 | $ 727,000 |
| Peoria, IL | 4 | $ 422,000 | $ 105,500 | $ 91,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 385,000 | $ 128,333 | $ 271,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 421,000 | $ 210,500 | $ 154,000 |
| Chattanooga, TN-GA | 2 | $ 435,000 | $ 217,500 | $ 141,000 |
| Chicago-Joliet-Naperville, IL | 1 | $ 195,000 | $ 195,000 | $ 113,000 |
| Evansville, IN-KY | 1 | $ 101,000 | $ 101,000 | $ 113,000 |
| Kankakee-Bradley, IL | 1 | $ 222,000 | $ 222,000 | $ 90,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 160,000 | $ 160,000 | $ 90,000 |
| Tulsa, OK | 1 | $ 131,000 | $ 131,000 | $ 68,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 244,000 | $ 244,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Prairie State Bank & Trust in 2011
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 | 895 | $129,514,000 | $144,000 | $1,650,000 | $116,000 | $1,206,000 |
| Home Purchase | 321 | $37,137,000 | $115,000 | $772,000 | $101,000 | $1,044,000 |
| Home Improvement | 11 | $1,072,000 | $97,000 | $473,000 | $111,000 | $401,000 |
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 | 1,158 | $154,884,000 | $133,000 | $1,105,000 | $111,000 | $1,206,000 |
| Not applicable | 31 | $5,963,000 | $192,000 | $1,650,000 | $26,000 | $330,000 |
| Asian | 17 | $3,121,000 | $183,000 | $398,000 | $223,000 | $773,000 |
| Black or African American | 11 | $989,000 | $89,000 | $190,000 | $155,000 | $432,000 |
| Hispanic | 7 | $2,347,000 | $335,000 | $580,000 | $401,000 | $828,000 |
| Not Provided | 2 | $140,000 | $70,000 | $90,000 | $50,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $279,000 | $279,000 | $279,000 | $112,000 | $112,000 |
| 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) | 1,227 | $167,723,000 | $136,000 | $1,650,000 | $112,000 | $1,206,000 |
| 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 | 1,195 | $164,503,000 | $137,000 | $1,650,000 | $113,000 | $1,206,000 |
| Application Denied By Financial Institution | 31 | $2,986,000 | $96,000 | $606,000 | $66,000 | $408,000 |
| Application Approved But Not Accepted | 1 | $234,000 | $234,000 | $234,000 | $126,000 | $126,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 19 | $1,708,000 | $89,000 | $417,000 | $63,000 | $408,000 |
| Debt-To-Income Ratio | 10 | $1,055,000 | $105,000 | $606,000 | $73,000 | $367,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $223,000 | $111,000 | $133,000 | $59,000 | $78,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Prairie State Bank & Trust's 2011 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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