Prairie State Bank and Trust closing costs and rates (2024)
In 2024, Prairie State Bank and Trust originated 115 purchase mortgages at a median interest rate of 6.50% and median total closing costs of $1,915. That is $4,826 below the national median of $6,741. Prairie State Bank and Trust is most active in Illinois with 112 originations there.
Purchase Originations
115
Median Total Costs
$1,915
−71.6% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$501
Median Lender Credits
$29
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 115 | 6.500% | $1,915 | $501 |
Active states
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,458 | 6.688% | — | 2 | −$457 | |
| 2 | $1,590 | 6.500% | — | 1 | −$325 | |
| 3 | $1,692 | 6.125% | — | 3 | −$223 | |
| 4 | $1,709 | 6.625% | — | 1 | −$206 | |
| 5 | $1,802 | 5.875% | — | 1 | −$113 | |
| 6 | $1,846 | 6.000% | — | 3 | −$69 | |
| 7 | $1,871 | 6.500% | — | 23 | −$44 | |
| 8 | $1,872 | 6.500% | — | 3 | −$43 | |
| 9 | $1,874 | 6.500% | — | 34 | −$41 | |
| 10 | $1,915 | 6.250% | — | 1 | +$0 | |
| 11 | $1,919 | 6.875% | — | 18 | +$4 | |
| 12 | $1,959 | 7.125% | — | 1 | +$44 | |
| 13 | $1,999 | 7.000% | — | 1 | +$84 | |
| 14 | $2,006 | 6.625% | — | 1 | +$91 | |
| 15 | $2,121 | 6.875% | — | 3 | +$206 | |
| 16 | $2,185 | 6.812% | — | 12 | +$270 | |
| 17 | $2,258 | 6.500% | — | 1 | +$343 | |
| 18 | $2,608 | 6.312% | — | 2 | +$693 | |
| 19 | $5,504 | 7.000% | — | 1 | +$3,589 | |
| 20 | $20,078 | 5.625% | — | 1 | +$18,163 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, 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.