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St. Clair County, Illinois · 2025

Mortgage lenders in St. Clair County, IL: denial rates and top lenders (2025)

334 lenders acted on 9,846 mortgage applications for properties in St. Clair County in 2025. 18.5% were denied (Illinois: 17.1%). Median rate on closed loans 6.63%; median loan $145,000; median property value $255,000.

9.8kApplications
18.5%Denial ratestate 17.1%
6.63%Median ratestate 6.75%
$145,000Median loan
$255,000Median property value

Largest lenders in St. Clair County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Regions Bank C 606293 36.0%4.99%
2 United Shore Financial Services B 574437 8.7%6.63%
3 Mortgage Research Center C 538314 13.0%6.25%
4 FCB Banks C 501371 12.2%6.88%
5 Delmar Financial A 412313 2.9%6.63%
6 Scott Credit Union C 408270 24.5%6.94%
7 Rocket Mortgage C 355243 23.7%6.50%
8 Broker Solutions D 333195 9.6%6.88%
9 Navy Federal Credit Union D 257105 24.5%6.88%
10 Guaranteed Rate B 235151 5.1%6.58%
11 Freedom Mortgage B 224112 8.0%6.00%
12 U.S. Bank D 21084 46.7%7.31%
13 Pennymac Loan Services C 19783 14.7%6.13%
14 Guild Mortgage A 166114 6.0%6.63%
15 Zippy Loans D 14939 34.9%8.00%
16 Midwest BankCentre B 143117 7.0%6.00%
17 Newrez D 13838 24.6%6.31%
18 Associated Bank B 11063 30.0%7.00%
19 AmeriSave Mortgage D 10719 68.2%8.25%
20 Primelending, a Plainscapital A 10581 2.9%6.63%
21 Bank of America F 10437 41.4%6.25%
22 Endeavor Capital, LLC. C 10484 4.8%6.56%
23 Fairway Independent Mortgage B 10374 6.8%6.75%
24 Loandepot.Com D 10353 34.0%6.88%
25 Commerce Bank D 10145 37.6%6.75%

Best approval odds in St. Clair County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Bank of O'Fallon811.2%
2Coastal Community Bank651.5%
3Primelending, a Plainscapital973.1%
4Delmar Financial3633.3%
5First National Bank of Waterloo694.4%
6DAS Acquisition Company585.2%
7Endeavor Capital, LLC.895.6%
8Guaranteed Rate1687.1%
9Guild Mortgage1357.4%
10Midwest BankCentre1277.9%

What St. Clair County borrowers applied for

By loan purpose

Home purchase 4,433 45% · 9.2% denied
Refinance 1,758 18% · 13.0% denied
Cash-out refinance 1,597 16% · 25.7% denied
Home improvement 985 10% · 39.1% denied
Other / HELOC 1,073 11% · 36.4% denied

By loan type

Conventional 6,369 65% · 20.9% denied
FHA 1,299 13% · 20.8% denied
VA 2,144 22% · 10.2% denied
USDA / RHS 34 0% · 5.9% denied

Why applications were denied

Credit history 572 32%
Debt-to-income ratio 462 26%
Collateral 272 15%
Incomplete application 216 12%
Other 154 9%
Unverifiable information 60 3%
Insufficient cash 39 2%
Employment history 17 1%

St. Clair County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20238,1714,74621.4%6.95%$125,000
20249,2235,42819.8%6.88%$135,000
20259,8465,77018.5%6.63%$145,000

Frequently asked questions

18.5% of applications in St. Clair County were denied in 2025, against 17.1% statewide in Illinois.

Regions Bank, with 606 applications in 2025 and a denial rate of 36.0%.

The median mortgage application in St. Clair County in 2025 was for $145,000; the median property value on originated loans was $255,000.