Prairie State Bank and Trust in Illinois vs the state
4.0%Denial rate-13.15 pts vs state
4.0%Decision denial rate-17.71 pts vs state
89.0%Origination rate+30.21 pts vs state
6.63%Median rate-0.13 pts vs state
0.23Rate spread (pts)-0.15 pts vs state
$102kMedian applicant income
314Loans originated
14Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 316 | 288 | 3.8% | 6.75% | #157 |
| 2024 | 307 | 277 | 4.2% | 6.88% | #177 |
| 2025 | 353 | 314 | 4.0% | 6.63% | #173 |
What Prairie State Bank and Trust lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Prairie State Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sangamon County | 76 | 69 | 6 | 7.9% |
| Macon County | 69 | 61 | 3 | 4.3% |
| Coles County | 51 | 41 | 2 | 3.9% |
| McLean County | 31 | 29 | 0 | 0.0% |
| Champaign County | 30 | 28 | 0 | 0.0% |
| Morgan County | 25 | 23 | 0 | 0.0% |
| Piatt County | 8 | 8 | 0 | 0.0% |
| Macoupin County | 8 | 6 | 1 | 12.5% |
| Douglas County | 7 | 7 | 0 | 0.0% |
| Vermilion County | 7 | 6 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 353 applications in 2025, of which 314 were originated and 14 denied.
4.0% of all applications, or 4.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Prairie State Bank and Trust originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Prairie State Bank and Trust's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology