Prairie State Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Prairie State Bank & Trust of Springfield, IL reported 1,053 mortgage applications totaling $151.2 million, down 2% from 2015. The average application was for $143,594, and applicants reported an average income of $106,307. 97% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Decatur, IL (283), Springfield, IL (228) and Bloomington, IL (107) (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 | 1,053 |
| Total Mortgage Loan Application Amount | $151,205,000 |
| Average Mortgage Loan Application Amount | $143,594 |
| Highest Mortgage Loan Application Amount | $3,418,000 |
| Average Applicant Income | $106,307 |
| Highest Applicant Income | $2,602,000 |
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records Prairie State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 283 | $ 34,361,000 | $ 121,416 | $ 103,000 |
| Springfield, IL | 228 | $ 37,780,000 | $ 165,701 | $ 133,000 |
| Bloomington, IL | 107 | $ 17,274,000 | $ 161,439 | $ 104,000 |
| Champaign-Urbana, IL | 95 | $ 21,124,000 | $ 222,357 | $ 120,000 |
| St. Louis, MO-IL | 31 | $ 3,233,000 | $ 104,290 | $ 68,161 |
| Chicago-Naperville-Arlington Heights, IL | 6 | $ 2,007,000 | $ 334,500 | $ 86,000 |
| Peoria, IL | 6 | $ 1,098,000 | $ 183,000 | $ 115,000 |
| Danville, IL | 3 | $ 289,000 | $ 96,333 | $ 71,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 712,000 | $ 356,000 | $ 90,000 |
| Elgin, IL | 2 | $ 1,095,000 | $ 547,500 | $ 106,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 582,000 | $ 291,000 | $ 427,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 632,000 | $ 316,000 | $ 168,000 |
| Battle Creek, MI | 1 | $ 138,000 | $ 138,000 | $ 124,000 |
| Carbondale-Marion, IL | 1 | $ 227,000 | $ 227,000 | $ 80,000 |
| Charleston-North Charleston, SC | 1 | $ 416,000 | $ 416,000 | $ 213,000 |
| Cincinnati, OH-KY-IN | 1 | $ 213,000 | $ 213,000 | $ 87,000 |
| Dover, DE | 1 | $ 220,000 | $ 220,000 | $ 191,000 |
| Evansville, IN-KY | 1 | $ 303,000 | $ 303,000 | $ 69,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 68,000 | $ 68,000 | $ 407,000 |
| San Antonio-New Braunfels, TX | 1 | $ 400,000 | $ 400,000 | $ 262,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 368,000 | $ 368,000 | $ 119,000 |
| Terre Haute, IN | 1 | $ 62,000 | $ 62,000 | $ 131,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 160,000 | $ 160,000 | $ 486,000 |
Mortgage Loan Application Detail Totals for Prairie State Bank & Trust in 2016
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 | 522 | $82,670,000 | $158,000 | $3,418,000 | $119,000 | $2,602,000 |
| Home Purchase | 462 | $64,349,000 | $139,000 | $2,720,000 | $95,000 | $556,000 |
| Home Improvement | 69 | $4,186,000 | $60,000 | $220,000 | $86,000 | $421,000 |
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 | 959 | $137,177,000 | $143,000 | $3,418,000 | $107,000 | $2,602,000 |
| Not applicable | 45 | $5,213,000 | $115,000 | $1,025,000 | $0 | $41,000 |
| Asian | 28 | $5,157,000 | $184,000 | $413,000 | $190,000 | $644,000 |
| Black or African American | 13 | $2,464,000 | $189,000 | $417,000 | $167,000 | $712,000 |
| Hispanic | 7 | $1,060,000 | $151,000 | $315,000 | $211,000 | $530,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $134,000 | $134,000 | $134,000 | $59,000 | $59,000 |
| Not Provided | 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) | 1,053 | $151,205,000 | $143,000 | $3,418,000 | $106,000 | $2,602,000 |
| 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 | 1,025 | $148,031,000 | $144,000 | $3,418,000 | $107,000 | $2,602,000 |
| Application Denied By Financial Institution | 18 | $1,718,000 | $95,000 | $314,000 | $48,000 | $115,000 |
| Application Withdrawn By Applicant | 10 | $1,456,000 | $145,000 | $318,000 | $112,000 | $222,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| 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 2016 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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