Purchase Originations
140
Median Total Costs
$2,086
−68.8% vs national ($6,680)
↑ $171 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$676
Median Lender Credits
$35
Denial Rate
1.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 140 | 6.500% | $2,086 | $676 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,372 | 7.375% | — | 1 | −$714 | |
| 2 | $1,662 | 6.562% | — | 4 | −$424 | |
| 3 | $1,709 | 6.375% | — | 1 | −$377 | |
| 4 | $1,857 | 6.375% | — | 2 | −$229 | |
| 5 | $1,871 | 6.375% | — | 1 | −$215 | |
| 6 | $1,872 | 6.375% | — | 11 | −$214 | |
| 7 | $1,918 | 6.000% | — | 1 | −$168 | |
| 8 | $1,927 | 6.375% | — | 4 | −$159 | |
| 9 | $1,986 | 6.375% | — | 9 | −$100 | |
| 10 | $2,004 | 6.875% | — | 1 | −$82 | |
| 11 | $2,009 | 6.375% | — | 1 | −$77 | |
| 12 | $2,053 | 6.500% | — | 27 | −$33 | |
| 13 | $2,059 | 6.500% | — | 21 | −$27 | |
| 14 | $2,069 | 6.562% | — | 2 | −$17 | |
| 15 | $2,112 | 6.250% | — | 3 | +$26 | |
| 16 | $2,168 | 6.375% | — | 5 | +$82 | |
| 17 | $2,329 | 5.938% | — | 8 | +$243 | |
| 18 | $2,408 | 6.125% | — | 3 | +$322 | |
| 19 | $2,526 | 6.500% | — | 28 | +$440 | |
| 20 | $2,781 | 6.500% | — | 1 | +$695 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Prairie State Bank and Trust | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $160,000 | $335,000 | −$175,000 (−52.2%) |
| Median total closing costs | $2,086 | $7,127 | −$5,041 (−70.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.