Mortgage lending in St. Clair County, Illinois
Lenders in St. Clair County, Illinois reported 9,846 mortgage applications for 2025, according to the CFPB.
9,846 mortgage applications and 5,770 loans originated in 2025; the denial rate was 22.9% of 7,944 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: St. Louis, MO-IL HUD Metro FMR Area.
- 9,846
- Applications
- 5,770
- Loans originated
- 22.9%
- Denial rate
- 1,820 denied of 7,944 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 9,846 | 5,770 |
| 2024 | 9,223 | 5,428 |
| 2023 | 8,171 | 4,746 |
| 2022 | 10,296 | 6,197 |
| 2021 | 16,020 | 10,464 |
| 2020 | 15,686 | 10,133 |
| 2019 | 10,197 | 6,388 |
| 2018 | 8,924 | 5,460 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 437 | 574 |
| FCB Banks | 371 | 501 |
| Mortgage Research Center | 314 | 538 |
| Delmar Financial Company | 313 | 412 |
| Regions Bank | 293 | 606 |
| Scott Credit Union | 270 | 408 |
| Rocket Mortgage | 243 | 355 |
| New American Funding, LLC. | 195 | 333 |
| Guaranteed Rate, Inc. | 151 | 235 |
| Midwest Bankcentre | 117 | 143 |
| Guild Mortgage Company | 114 | 166 |
| Freedom Mortgage Corporation | 112 | 224 |
| Navy Federal Credit Union | 105 | 257 |
| Endeavor Capital, LLC | 84 | 104 |
| US Bank, N.A. | 84 | 210 |
| Pennymac Loan Services LLC | 83 | 197 |
| Primelending | 81 | 105 |
| Bank of O'Fallon | 80 | 81 |
| Fairway Independent Mort Corp | 74 | 103 |
| Citizens Community Bank | 71 | 89 |
| Associated Bank NA | 63 | 110 |
| First National Bank of Waterloo | 62 | 69 |
| Carrollton Bank | 62 | 78 |
| loanDepot.com LLC | 53 | 103 |
| Das Acquisition Company, LLC | 50 | 65 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 47 | no rate: base under 50 |
| Asian | 160 | 20.0% of 130 decided |
| Black or African American | 1,826 | 36.0% of 1,437 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 5,915 | 19.3% of 4,915 decided |
| 2 or more minority races | 31 | no rate: base under 50 |
| Joint | 206 | 12.7% of 166 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,642 | 23.2% of 1,225 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 376 | 24.2% of 298 decided |
| Not Hispanic or Latino | 7,692 | 23.2% of 6,303 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,608 | 21.9% of 1,206 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,564 | 25.3% of 2,856 decided |
| Female | 2,493 | 30.2% of 2,022 decided |
| Joint | 2,797 | 14.1% of 2,347 decided |
| Sex Not Available | 992 | 21.4% of 719 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1551 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved