Applications / Mortgage Analytics / Lenders / Illinois / Prairie State Bank and Trust
Springfield, IL · State non-member bank · FDIC · $806 million assets · 318 loans in 2025
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318
loans originated, 2025
357
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Prairie State Bank and Trust, an Illinois bank making mostly small home-purchase loans, grew 12% in 2025 and gained ground in Champaign-Urbana and Bloomington.
Its typical loan was $125,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), lower than about four in five. Borrowers with low or moderate incomes (LMI) took 34.4% of its loans, against 28.4%, higher than about three in four. Purchases made up 66.0% of its lending.
Its share of Bloomington rose to 1.3% from 0.9%, and its share of Champaign-Urbana also rose. It slipped in Springfield, its home market, to 1.8% from 2.2%, ranking 16 of 217 behind INB, and in Decatur to 3.3% from 3.6%, where it ranks 9 of 156. Rivals' growth, or more of its own lending going elsewhere, could explain the small falls.
Its typical rate was 6.62%, against 6.77% at similar lenders, and 0.5% of its loans were higher-priced (a rate well above the average for similar loans), against 1.9%. It turned down 1.9% of home-purchase applications, against 5.1% at similar lenders, lower than more than four in five.
It made 318 loans, up from 284, against typical growth of 8% at similar lenders and 10% for the whole market. It made 1,367 loans in 2020 and between 284 and 433 a year since 2022.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Prairie State Bank and Trust took 357 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.0% · Refinance 23.9% · Other 7.9% · Home improvement 2.2%
Conventional 100.0% · of 318 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 314 | 98.7% |
| Indiana | 2 | 0.6% |
| Missouri | 1 | 0.3% |
| Texas | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 73 |
| Decatur | 61 |
| Champaign-Urbana | 38 |
| Bloomington | 29 |
| St. Louis | 8 |
| Peoria | 2 |
| Elgin | 1 |
| Kokomo | 1 |
| Terre Haute | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549001E11O22GGBEL86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1222948 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 327362 | 1990–2017 |
Established 4 November 1988. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Prairie State Bank and Trust's data.
Prairie State Bank and Trust's data
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