Prairie State Bank And Trust Mortgage Rates, Fees & Info

Springfield, IL

LEI: 2549001E11O22GGBEL86

Tax ID: 37-1239418

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Prairie State Bank And Trust is a smaller bank specializing in Refi, Home Purchase, and Cash Out Refi loans. Prairie State Bank And Trust has a high proportion of conventional loans. Their top markets by origination volume include: Springfield, Decatur, Bloomington, Charleston, and Champaign among others. We have data for 29 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Prairie State Bank And Trust has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Prairie State Bank And Trust is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.40% 4/21/24
    30 Year Conventional Refi 6.30% 4/21/24
    30 Year Cash-out Refi 6.26% 4/21/24
    15 Year Conventional Purchase 5.82% 4/21/24
    15 Year Conventional Refi 5.79% 4/21/24
    15 Year Cash-out Refi 5.79% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Prairie State Bank And Trust Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Prairie State Bank And Trust. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    963

    Origination Dollar Volume (All Markets)

    $166,035,000

    Employee count

    144 Show all (15) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    SPRINGFIELD, IL (FHA|USDA|VA) 224 $42,400,000 $189,286 $1,399 2.83%
    DECATUR, IL (FHA|USDA|VA) 222 $33,670,000 $151,667 $1,280 2.81%
    BLOOMINGTON, IL (FHA|USDA|VA) 117 $26,885,000 $229,786 $1,215 2.74%
    Charleston-Mattoon, IL (FHA|USDA|VA) 111 $13,265,000 $119,505 $1,312 2.73%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 71 $13,105,000 $184,577 $1,183 2.72%
    Outside of Metro Areas 58 $8,170,000 $140,862 $1,418 2.84%
    Jacksonville, IL (FHA|USDA|VA) 59 $7,705,000 $130,593 $1,372 2.98%
    PEORIA, IL (FHA|USDA|VA) 26 $3,860,000 $148,462 $1,480 2.80%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 31 $3,695,000 $119,194 $1,426 2.79%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $2,965,000 $2,965,000 $14,557 2.38%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 8 $2,160,000 $270,000 $2,396 2.91%
    Lincoln, IL (FHA|USDA|VA) 7 $1,375,000 $196,429 $1,581 3.48%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $900,000 $450,000 $2,111 3.13%
    Taylorville, IL (FHA|USDA|VA) 7 $835,000 $119,286 $1,304 3.05%
    DANVILLE, IL (FHA|USDA|VA) 4 $640,000 $160,000 $1,548 2.44%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $545,000 $545,000 $5,282 3.00%
    TULSA, OK (FHA|USDA|VA) 1 $525,000 $525,000 $3,624 2.63%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $505,000 $505,000 $4,900 2.25%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $485,000 $485,000 $3,538 3.13%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $425,000 $425,000 $3,148 2.38%
    Traverse City, MI (FHA|USDA|VA) 1 $355,000 $355,000 $2,340 2.88%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $265,000 $265,000 $2,083 2.50%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $245,000 $245,000 $0 3.50%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $205,000 $205,000 $2,919 3.00%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $195,000 $195,000 $1,762 2.50%
    Quincy, IL-MO (FHA|USDA|VA) 1 $185,000 $185,000 $1,984 3.00%
    Ottawa, IL (FHA|USDA|VA) 2 $180,000 $90,000 $1,555 2.13%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $155,000 $155,000 $2,651 2.13%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $135,000 $135,000 $2,300 2.75%
    Prairie State Bank And Trust's top markets include Springfield, Decatur, Bloomington, Charleston, and Champaign among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Prairie State Bank and Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First State Bank
    Similarity Rank: 24
    Alliance Community Bank
    Similarity Rank: 128
    HEARTLAND
    Similarity Rank: 161
    Goodfield State Bank
    Similarity Rank: 324
    Town & Country Bank
    Similarity Rank: 328
    UNIVERSITY OF ILLINOIS COMMUNITY
    Similarity Rank: 336
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 370
    Iroquois Federal Savings and Loan Association
    Similarity Rank: 414
    Bank of Pontiac
    Similarity Rank: 494
    CapGrow Home Mortgage, LLC
    Similarity Rank: 552

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 963 $166,035,000 $172,414 $1,378 2.81%

    For 2021, Prairie State Bank And Trust's most frequently originated type of loan was Conventional, with 963 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 388 $63,250,000 $163,015 $1,035 2.52%
    Home Purchase 344 $62,520,000 $181,744 $1,971 3.08%
    Cash Out Refi 200 $37,070,000 $185,350 $1,204 2.73%
    Home Improvement 19 $1,015,000 $53,421 $1,110 4.18%
    Other 12 $2,180,000 $181,667 $1,177 3.34%

    For 2021, Prairie State Bank And Trust's most frequently cited loan purpose was Refi, with 388 originations. The 2nd most popular reason was Home Purchase, with 344 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 343 $61,655,000 $179,752 $1,628 2.94%
    15 Year 278 $44,290,000 $159,317 $1,298 2.24%
    5 Year 111 $20,455,000 $184,279 $841 3.92%
    10 Year 99 $16,155,000 $163,182 $1,008 2.16%
    Other 79 $14,335,000 $181,456 $1,304 3.54%
    20 Year 52 $9,070,000 $174,423 $1,123 2.65%
    1 Year 1 $75,000 $75,000 $1,230 3.90%

    For 2021, Prairie State Bank And Trust's most frequently cited loan duration was 30 Year, with 343 originations. The 2nd most popular length was 15 Year, with 278 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 787 $135,425,000 $172,078
    $1k-2k 4 $1,340,000 $335,000
    $3k-4k 1 $545,000 $545,000
    $4k-5k 1 $395,000 $395,000

    Prairie State Bank And Trust's average total fees were $1,628, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 787 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 416 $70,250,000 $168,870
    2.5-3% 306 $57,740,000 $188,693
    3-4% 169 $32,305,000 $191,154
    4-5% 64 $5,390,000 $84,219
    5-6% 7 $345,000 $49,286
    6-7% 1 $5,000 $5,000

    During 2021, Prairie State Bank And Trust's average interest rate for loans was 2.94%, while their most frequently originated rate bucket for loans was <2.5%, with 416 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 375 $53,335,000 $142,227 $1,280 2.70%
    $100,000 or less 318 $21,090,000 $66,321 $1,170 2.98%
    $200k-400k 220 $58,770,000 $267,136 $1,555 2.72%
    $400k-600k 40 $20,130,000 $503,250 $2,278 2.76%
    $1MM+ 5 $8,865,000 $1,773,000 $14,557 3.21%
    $600k-1MM 5 $3,845,000 $769,000 $1,568 2.90%

    2021 saw Prairie State Bank And Trust place emphasis on $100k-200k loans with 375 originations, totaling $53,335,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 218 $34,960,000 $160,367 $1,318 2.67%
    $50k-75k 168 $19,090,000 $113,631 $1,265 2.74%
    $75k-100k 162 $22,570,000 $139,321 $1,344 2.76%
    $50k or less 130 $10,480,000 $80,615 $1,304 2.93%
    $150k-250k 121 $27,465,000 $226,983 $1,432 2.82%
    $250k+ 95 $30,965,000 $325,947 $1,952 2.67%

    Prairie State Bank And Trust lent most frequently to those with incomes in the $100k-150k range, with 218 originations. The second most popular income band? $50k-75k, with 168 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 295 $45,725,000 $155,000 $1,365 2.61%
    <20% 207 $36,925,000 $178,382 $1,379 2.50%
    30-36% 159 $25,535,000 $160,597 $1,424 2.71%
    36% 23 $4,145,000 $180,217 $1,309 2.64%
    39% 21 $4,075,000 $194,048 $1,269 2.78%
    41% 20 $3,410,000 $170,500 $1,318 2.96%
    37% 18 $3,850,000 $213,889 $1,617 2.72%
    38% 16 $2,910,000 $181,875 $1,424 2.88%
    43% 16 $3,190,000 $199,375 $1,618 3.07%
    42% 10 $2,440,000 $244,000 $1,442 2.65%
    45% 9 $1,495,000 $166,111 $1,494 2.87%
    40% 9 $1,225,000 $136,111 $1,407 3.06%
    44% 7 $2,095,000 $299,286 $1,629 2.86%
    46% 7 $975,000 $139,286 $1,472 2.73%
    49% 6 $1,000,000 $166,667 $1,243 2.79%
    48% 6 $810,000 $135,000 $856 2.60%
    47% 3 $735,000 $245,000 $1,365 2.67%
    >60% 2 $420,000 $210,000 $870 4.05%

    Prairie State Bank And Trust lent most frequently to those with DTI ratios of 20-30%, with 295 originations. The next most common DTI ratio? <20%, with 207 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 834 $133,740,000 $160,360 $1,372 2.78%
    Not applicable 50 $16,740,000 $334,800 $0 3.49%
    Asian 45 $9,265,000 $205,889 $1,461 2.54%
    Not provided 23 $4,735,000 $205,870 $1,428 2.70%
    Black 10 $1,160,000 $116,000 $1,491 3.07%
    American Indian 1 $395,000 $395,000 $1,682 3.00%

    Approval Rates

    Total approvals of all applications
    95.36%

    Prairie State Bank And Trust has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    93.35%

    Prairie State Bank And Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 963 $166,035,000 $172,414

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    963 $166,035,000 $172,414

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 57 $8,045,000 $141,140 $1,149 2.72%
    40-60% 174 $25,180,000 $144,713 $1,181 2.44%
    60-80% 441 $74,895,000 $169,830 $1,291 2.78%
    80-100% 268 $52,990,000 $197,724 $1,722 2.99%
    Over 100% 1 $835,000 $835,000 $1,355 2.50%
    Under 20% 22 $4,090,000 $185,909 $825 4.22%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Prairie State Bank and Trust 100 Main Street Meredosia, IL 62665 Full Service B&M $21,003
    Prairie State Bank and Trust 1000 West Pershing Road Decatur, IL 62526 Full Service B&M $40,119
    Prairie State Bank and Trust 1001 S Durkin Dr Springfield, IL 62704 Full Service B&M $82,621
    Prairie State Bank and Trust 105 W Lincoln Ave Lewistown, IL 61542 Full Service B&M $52,504
    Prairie State Bank and Trust 1052 West Morton Avenue Jacksonville, IL 62650 Full Service B&M $61,295
    Prairie State Bank and Trust 1101 Trinity Lane Bloomington, IL 61704 Full Service B&M $35,987
    Prairie State Bank and Trust 1361 Toronto Road Springfield, IL 62707 Full Service B&M $33,221
    Prairie State Bank and Trust 1820 18th Street Charleston, IL 61920 Limited, Drive-thru $9,479
    Prairie State Bank and Trust 201 East Jackson Street Virden, IL 62690 Full Service B&M $67,486
    Prairie State Bank and Trust 2121 Western Avenue Mattoon, IL 61938 Full Service B&M $29,006
    Prairie State Bank and Trust 340 West Main Street Mount Zion, IL 62549 Full Service B&M $100,451
    Prairie State Bank and Trust 345 Mary Street Illiopolis, IL 62539 Full Service B&M $16,101
    Prairie State Bank and Trust 3751 West Wabash Avenue Springfield, IL 62711 Full Service B&M $37,215
    Prairie State Bank and Trust 402 North 3rd Girard, IL 62640 Full Service B&M $16,175
    Prairie State Bank and Trust 410 West Curtis Road Savoy, IL 61874 Full Service B&M $22,002
    Prairie State Bank and Trust 4485 East U.S. Route 36 Decatur, IL 62521 Limited, Drive-thru $5,305
    Prairie State Bank and Trust 603 N. Springfield Street Virden, IL 62690 Limited, Drive-thru $0
    Prairie State Bank and Trust 621 W Lincoln Ave Charleston, IL 61920 Full Service B&M $89,466
    Prairie State Bank and Trust Main And Cleveland Farmersville, IL 62533 Limited, Drive-thru $7,506
    Prairie State Bank and Trust Route 107 And Main Street Perry, IL 62362 Limited, Drive-thru $3,978

    For 2021, Prairie State Bank And Trust had 20 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $25,022
    Net interest income $23,545
    Total noninterest income $7,736
    Gross Fiduciary activities income $90
    Service charges on deposit accounts $762
    Trading account gains and fees $0
    Additional Noninterest Income $6,884
    Pre-tax net operating income $12,697
    Securities gains (or losses, -) $0
    Income before extraordinary items $12,391
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $12,391
    Minority interest net income $0
    Net income $12,391
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $12,391

    Prairie State Bank And Trust's gross interest income from loans was $25,022,000.
    Prairie State Bank And Trust's net interest income from loans was $23,545,000.
    Prairie State Bank And Trust's fee based income from loans was $762,000.
    Prairie State Bank And Trust's net income from loans was $12,391,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,477
    Provision for credit losses $-163
    Total noninterest expense $18,747
    Salaries and employee benefits $12,075
    Premises and equipment expense $1,679
    Additional noninterest expense $4,993
    Applicable income taxes $306
    Net charge-offs $-163
    Cash dividends $7,656

    Prairie State Bank And Trust's interest expense for loans was $1,477,000.
    Prairie State Bank And Trust's payroll and benefits expense were $12,075,000.
    Prairie State Bank And Trust's property, plant and equipment expenses $1,679,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $751,639
    Deposits held in domestic offices $751,639
    Deposits by Individuals, partnerships, and corporations $604,849
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $145,251
    Deposits by Commercial banks and other depository institutions in U.S. $1,538
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $401,660
    Demand deposits $232,317
    Nontransaction accounts $349,979
    Money market deposit accounts (MMDAs) $37,587
    Other savings deposits (excluding MMDAs) $231,884
    Total time deposits $80,508
    Total time and savings deposits $519,322
    Noninterest-bearing deposits $183,066
    Interest-bearing deposits $568,573
    Retail deposits $722,050
    IRAs and Keogh plan accounts $8,738
    Brokered deposits $9
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $848,859
    Cash & Balances due from depository institutions $147,615
    Interest-bearing balances $139,623
    Total securities $203,988
    Federal funds sold & reverse repurchase $0
    Net loans and leases $476,361
    Loan and leases loss allowance $5,615
    Trading account assets $0
    Bank premises and fixed assets $11,667
    Other real estate owned $0
    Goodwill and other intangibles $3,294
    All other assets $5,934

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $848,859
    Total Liabilities $760,589
    Total deposits $751,639
    Interest-bearing deposits $568,573
    Deposits held in domestic offices $751,639
    % insured (estimated) $73
    Federal funds purchased and repurchase agreements $1,003
    Trading liabilities $0
    Other borrowed funds $5,715
    Subordinated debt $0
    All other liabilities $2,232

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $476,361
    Loan and leases loss allowance $5,615
    Total loans and leases (domestic) $481,976
    All real estate loans $400,909
    Real estate loans in domestic offices $400,909
    Construction and development loans $18,345
    Residential 1-4 family construction $5,724
    Other construction, all land development and other land $12,621
    Loans secured by nonfarm nonresidential properties $110,943
    Nonfarm nonresidential secured by owner-occupied properties $39,652
    Commercial real estate & other non-farm, non-residential $71,291
    Multifamily residential real estate $78,865
    1-4 family residential loans $105,504
    Farmland loans $87,252
    Loans held in foreign offices $0
    Farm loans $21,656
    Commercial and industrial loans $53,636
    To non-U.S. addressees $0
    Loans to individuals $4,113
    Credit card loans $61
    Related Plans $20
    Consumer Auto Loans $1,802
    Other loans to individuals $2,230
    All other loans & leases $1,715
    Loans to foreign governments and official institutions $0
    Other loans $620
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $707
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Prairie State Bank and Trust had $476,361,000 of loans outstanding in 2021. $400,909,000 of loans were in real estate loans. $18,345,000 of loans were in development loans. $78,865,000 of loans were in multifamily mortgage loans. $105,504,000 of loans were in 1-4 family mortgage loans. $21,656,000 of loans were in farm loans. $61,000 of loans were in credit card loans. $1,802,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 318 $56,108 $176,440
    Nonfarm, nonresidential loans - <$100k 89 $3,490 $39,213
    Nonfarm, nonresidential loans - $100-250k 123 $15,579 $126,659
    Nonfarm, nonresidential loans - $250k-1MM 106 $37,039 $349,425
    Commercial & Industrial, US addressed loans - <$1MM 411 $26,781 $65,161
    Commercial & Industrial, US addressed loans - <$100k 288 $6,400 $22,222
    Commercial & Industrial, US addressed loans - $100-250k 73 $7,272 $99,616
    Commercial & Industrial, US addressed loans - $250k-1MM 50 $13,109 $262,180
    Farmland loans - <$1MM 182 $25,799 $141,753
    Farmland loans - <$100k 48 $1,640 $34,167
    Farmland loans - $100-250k 71 $8,665 $122,042
    Farmland loans - $250k-1MM 63 $15,494 $245,937
    Agriculture operations loans - <$1MM 173 $12,515 $72,341
    Agriculture operations loans - <$100k 110 $2,956 $26,873
    Agriculture operations loans - $100-250k 38 $4,137 $108,868
    Agriculture operations loans - $250k-1MM 25 $5,422 $216,880