What loan types does Prairie State Bank and Trust offer?

Prairie State Bank and Trust offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Prairie State Bank and Trust offer mortgages?

Prairie State Bank and Trust offers mortgages in 3 states: IL, IN, MN.

How competitive are Prairie State Bank and Trust's mortgage rates?

Prairie State Bank and Trust has an overall pricing score of 90.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Prairie State Bank and Trust?

Prairie State Bank and Trust is a Bank headquartered in Springfield, IL.

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Prairie State Bank and Trust

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Prairie State Bank and Trust has 152 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Sound

3/5

Regional · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Prairie State Bank and Trust performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+1.0 bps above market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

152 loans · 0.01% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

113 loans · 0.01% above market

Sound

Top 60% of lenders

3/5

Refinance

39 loans · 0.03% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 5 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Strong	152	100.0%	+0.010%Above	$524Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume152

Mix100.0%

Spread

+0.010%Above

Fees

$524Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Strong	113	74.3%	+0.006%Above	$538Fees
Refinance	Strong	Acceptable	Exceptional	Strong	39	25.7%	+0.025%Above	$478Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume113

Mix74.3%

Spread

+0.006%Above

Fees

$538Fees

Refinance

Overall

Strong

Product

Acceptable

Pricing

Exceptional

Pull Through

Strong

Volume39

Mix25.7%

Spread

+0.025%Above

Fees

$478Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

152

Applications

173

Volume

$28 million

Pricing & Closing

Avg Rate Spread

+0.010%

vs. market APOR

Avg Net Fees

$524

Origination − Credits

Pullthrough Rate

87.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$189,474

Avg Borrower Income

$137,763

Avg Property Value

$256,645

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest3

ILINMN

Top Metro Areas by Place Specialization Score

Decatur, ILMetro

Volume 25Mix 16.45% of portfolio

72/100

Strong

Springfield, ILMetro

Volume 37Mix 24.34% of portfolio

65/100

Strong

Champaign, ILMetro

Volume 14Mix 9.21% of portfolio

52/100

Sound

Bloomington, ILMetro

Volume 11Mix 7.24% of portfolio

47/100

Sound

Top States by Place Specialization Score

IllinoisState

Volume 150Mix 98.68% of portfolio

73/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.