Prairie State Bank and Trust mortgage approval rate & lending review
Prairie State Bank and Trust decided 530 mortgage applications and funded 480 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Prairie State Bank and Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Prairie State Bank and Trust at a glance
Approval is 12.6 points above the 83.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 227 / 233 | 93% | $215K | 210 |
| Cash-out refinance | 84% | 42 / 50 | 95% | $135K | 40 |
| Refinance | 94% | 29 / 31 | 86% | $195K | 25 |
| Investment property purchase | 98% | 157 / 161 | 99% | $125K | 156 |
Prairie State Bank and Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 96% | $135K | 522 | 473 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Prairie State Bank and Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sangamon County, IL | Mortgage lenders | 98% | 93 | 89 |
| Sangamon County, IL | Investment property purchase | 96% | 85 | 82 |
| Macon County, IL | Mortgage lenders | 95% | 80 | 70 |
| Macon County, IL | Investment property purchase | 100% | 28 | 28 |
| McLean County, IL | Mortgage lenders | 100% | 30 | 25 |
| McLean County, IL | Investment property purchase | 100% | 25 | 25 |
| Macon County, IL | Cash-out refinance | 91% | 22 | 19 |
The county markets where Prairie State Bank and Trust made the most loans. Each link opens that market with every lender ranked.
Questions about Prairie State Bank and Trust
What is Prairie State Bank and Trust's mortgage approval rate?
Prairie State Bank and Trust approved 95.8% of the 530 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.6 points above the 83.3% national rate for the same mix of loan types.
How often do borrowers take the loan Prairie State Bank and Trust offers?
Borrowers accepted 94% of the loans Prairie State Bank and Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Prairie State Bank and Trust make?
The typical home purchase mortgage loan Prairie State Bank and Trust made was $215K; across all loan types its typical loan ran from $125K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Prairie State Bank and Trust lend?
Prairie State Bank and Trust decided applications in 5 of the states Fat Boy Data covers, most of them in Illinois, Florida and Indiana.
Can I apply to Prairie State Bank and Trust directly?
Yes. Prairie State Bank and Trust is a bank or credit union with 19 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Prairie State Bank and Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Prairie State Bank and Trust treats applications, then get a rate quote from the lender.