Prairie State Bank and Trust
Prairie State Bank and Trust received 357 applications in 2025 and made 318 mortgages, in 34 counties across 4 states. The median rate its borrowers got was 6.625% on a median loan of $125,000. Of 357 decisions, 14 were denials — 3.9%, most often for credit history.
| Legal Entity Identifier | 2549001E11O22GGBEL86 |
|---|---|
| Applications received | 357 |
| Mortgages made | 318 |
| Denied | 14 |
| Approved, not taken up | 25 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.236 points |
| FDIC-insured bank | Yes: Prairie State Bank and Trust, 19 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 210 | 6.625% | $145,000 | 2.6% |
| Refinancing | 26 | 6.063% | $190,000 | 6.5% |
| Cash-out refinancing | 50 | 6.750% | $95,000 | 8.9% |
| Other purposes | 32 | 8.250% | $45,000 | 2.9% |
Where Prairie State Bank and Trust lends most
The 34 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sangamon County, IL | 69 | 6.750% | 7.9% |
| Macon County, IL | 61 | 6.625% | 4.4% |
| Coles County, IL | 41 | 6.625% | 3.9% |
| McLean County, IL | 29 | 6.625% | 0.0% |
| Champaign County, IL | 28 | 6.713% | 0.0% |
| Morgan County, IL | 23 | 6.500% | 0.0% |
| Piatt County, IL | 8 | Under 10 loans | 0.0% |
| Douglas County, IL | 7 | Under 10 loans | 0.0% |
| Macoupin County, IL | 6 | Under 10 loans | 12.5% |
| Vermilion County, IL | 6 | Under 10 loans | 0.0% |
| Clark County, IL | 4 | Under 10 loans | 0.0% |
| Menard County, IL | 4 | Under 10 loans | 0.0% |
| De Witt County, IL | 3 | Under 10 loans | 0.0% |
| Logan County, IL | 3 | Under 10 loans | 0.0% |
| Adams County, IL | 2 | Under 10 loans | 0.0% |
| Edgar County, IL | 2 | Under 10 loans | 0.0% |
| Ford County, IL | 2 | Under 10 loans | 0.0% |
| Fulton County, IL | 2 | Under 10 loans | 25.0% |
| Greene County, IL | 2 | Under 10 loans | 0.0% |
| Moultrie County, IL | 2 | Under 10 loans | 0.0% |
| Tazewell County, IL | 2 | Under 10 loans | 0.0% |
| Brown County, IL | 1 | Under 10 loans | 0.0% |
| Cumberland County, IL | 1 | Under 10 loans | 0.0% |
| Kane County, IL | 1 | Under 10 loans | 0.0% |
| Madison County, IL | 1 | Under 10 loans | 0.0% |
| Montgomery County, IL | 1 | Under 10 loans | 0.0% |
| Pike County, IL | 1 | Under 10 loans | 0.0% |
| Scott County, IL | 1 | Under 10 loans | 0.0% |
| Shelby County, IL | 1 | Under 10 loans | 0.0% |
| Howard County, IN | 1 | Under 10 loans | 0.0% |
| Vigo County, IN | 1 | Under 10 loans | 0.0% |
| St. Charles County, MO | 1 | Under 10 loans | 0.0% |
| Henderson County, TX | 1 | Under 10 loans | 0.0% |
| Peoria County, IL | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.