Prairie State Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Prairie State Bank & Trust of Springfield, IL reported 895 mortgage applications totaling $125.2 million, down 24% from 2013. The average application was for $139,865, and applicants reported an average income of $90,108. 96% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Decatur, IL (229), Springfield, IL (215) and Champaign-Urbana, IL (105) (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 | 895 |
| Total Mortgage Loan Application Amount | $125,180,000 |
| Average Mortgage Loan Application Amount | $139,865 |
| Highest Mortgage Loan Application Amount | $4,134,000 |
| Average Applicant Income | $90,108 |
| Highest Applicant Income | $923,000 |
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records Prairie State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 229 | $ 26,023,000 | $ 113,637 | $ 92,000 |
| Springfield, IL | 215 | $ 29,846,000 | $ 138,818 | $ 108,000 |
| Champaign-Urbana, IL | 105 | $ 19,022,000 | $ 181,161 | $ 72,000 |
| Bloomington, IL | 53 | $ 15,264,000 | $ 288,000 | $ 79,000 |
| St. Louis, MO-IL | 25 | $ 3,128,000 | $ 125,120 | $ 118,160 |
| Chicago-Naperville-Arlington Heights, IL | 7 | $ 1,784,000 | $ 254,857 | $ 105,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 480,000 | $ 240,000 | $ 628,000 |
| Carbondale-Marion, IL | 2 | $ 302,000 | $ 151,000 | $ 94,000 |
| Des Moines-West Des Moines, IA | 2 | $ 314,000 | $ 157,000 | $ 117,000 |
| Peoria, IL | 2 | $ 1,000,000 | $ 500,000 | $ 207,000 |
| Springfield, MO | 2 | $ 115,000 | $ 57,500 | $ 80,000 |
| Tulsa, OK | 2 | $ 745,000 | $ 372,500 | $ 180,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 150,000 | $ 150,000 | $ 84,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 200,000 | $ 200,000 | $ 50,000 |
| Evansville, IN-KY | 1 | $ 143,000 | $ 143,000 | $ 77,000 |
| Fort Worth-Arlington, TX | 1 | $ 400,000 | $ 400,000 | $ 266,000 |
| Greenville, NC | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Kankakee, IL | 1 | $ 18,000 | $ 18,000 | $ 14,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 410,000 | $ 410,000 | $ 295,000 |
| Madera, CA | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 400,000 | $ 400,000 | $ 678,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 245,000 | $ 245,000 | $ 126,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 160,000 | $ 160,000 | $ 189,000 |
| Terre Haute, IN | 1 | $ 64,000 | $ 64,000 | $ 149,000 |
Mortgage Loan Application Detail Totals for Prairie State Bank & Trust in 2014
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 | 520 | $70,739,000 | $136,000 | $4,134,000 | $94,000 | $923,000 |
| Refinancing | 354 | $49,378,000 | $139,000 | $1,481,000 | $86,000 | $740,000 |
| Home Improvement | 21 | $5,063,000 | $241,000 | $2,415,000 | $63,000 | $442,000 |
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 | 778 | $94,076,000 | $120,000 | $850,000 | $95,000 | $923,000 |
| Not applicable | 74 | $24,276,000 | $328,000 | $4,134,000 | $0 | $0 |
| Asian | 16 | $2,597,000 | $162,000 | $353,000 | $122,000 | $545,000 |
| Hispanic | 13 | $2,008,000 | $154,000 | $528,000 | $159,000 | $695,000 |
| Black or African American | 9 | $1,850,000 | $205,000 | $465,000 | $296,000 | $740,000 |
| Not Provided | 4 | $258,000 | $64,000 | $120,000 | $55,000 | $93,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $60,000 | $60,000 |
| 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) | 895 | $125,180,000 | $139,000 | $4,134,000 | $90,000 | $923,000 |
| 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 | 859 | $121,775,000 | $141,000 | $4,134,000 | $92,000 | $923,000 |
| Application Denied By Financial Institution | 26 | $2,002,000 | $77,000 | $230,000 | $46,000 | $135,000 |
| Application Withdrawn By Applicant | 5 | $510,000 | $102,000 | $136,000 | $85,000 | $99,000 |
| Loan Purchased By The Institution | 5 | $893,000 | $178,000 | $409,000 | $0 | $0 |
| 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 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Prairie State Bank & Trust's 2014 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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