Illinois · HMDA 2025
Mortgage lenders in St. Clair County, IL
337 lenders reported 11,502 home-loan applications in St. Clair County in 2025. 5,770 closed as loans ($1.2B), 1,820 were denied — a 22.9% denial rate on decided applications, above the Illinois rate of 21.5%. The three most active lenders handled 15% of applications, led by Regions Bank. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 11,502
- Loans originated
- 5,770
- Purchase / refinance
- 3,134 / 1,689
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in St. Clair County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Regions Bank 64 out of 100, Moderate | 606 | 5.3% | 43.1% |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 578 | 5.0% | — |
| 3 | Mortgage Research Center, LLC | 539 | 4.7% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 537 | 4.7% | — |
| 5 | FCB Banks 66 out of 100, Moderate | 501 | 4.4% | 9.4% |
| 6 | DELMAR FINANCIAL COMPANY | 412 | 3.6% | — |
| 7 | SCOTT CREDIT UNION 71 out of 100, Strong | 408 | 3.5% | 23.3% |
| 8 | Rocket Mortgage, LLC | 364 | 3.2% | — |
| 9 | U.S. Bank National Association 55 out of 100, Moderate | 357 | 3.1% | 39.5% |
| 10 | NEWREZ LLC | 348 | 3.0% | — |
| 11 | Broker Solutions, Inc. | 333 | 2.9% | — |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 308 | 2.7% | 14.1% |
| 13 | Navy Federal Credit Union 66 out of 100, Moderate | 257 | 2.2% | 32.9% |
| 14 | FREEDOM MORTGAGE CORPORATION | 242 | 2.1% | — |
| 15 | GUARANTEED RATE, INC. | 238 | 2.1% | — |
| 16 | GUILD MORTGAGE COMPANY | 174 | 1.5% | — |
| 17 | PLANET HOME LENDING, LLC | 169 | 1.5% | — |
| 18 | Zippy Loans, LLC | 149 | 1.3% | — |
| 19 | Midwest BankCentre 69 out of 100, Moderate | 143 | 1.2% | 5.2% |
| 20 | NATIONSTAR MORTGAGE LLC | 141 | 1.2% | — |
| 21 | Bank of America, National Association 59 out of 100, Moderate | 121 | 1.1% | 44.7% |
| 22 | Associated Bank, National Association | 111 | 1.0% | — |
| 23 | AmeriSave Mortgage Corporation | 107 | 0.9% | — |
| 24 | LAKEVIEW LOAN SERVICING, LLC | 106 | 0.9% | — |
| 25 | VILLAGE CAPITAL & INVESTMENT LLC | 106 | 0.9% | — |
| 26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 105 | 0.9% | — |
| 27 | Fairway Independent Mortgage Corporation | 104 | 0.9% | — |
| 28 | ENDEAVOR CAPITAL, LLC. | 104 | 0.9% | — |
| 29 | Loandepot.Com, LLC | 103 | 0.9% | — |
| 30 | Commerce Bank 76 out of 100, Strong | 101 | 0.9% | 33.2% |
| 31 | FIRST COMMUNITY | 99 | 0.9% | — |
| 32 | AMERIHOME MORTGAGE COMPANY, LLC | 98 | 0.9% | — |
| 33 | NEW DAY FINANCIAL, LLC | 98 | 0.9% | — |
| 34 | Citizens Community Bank 31 out of 100, Low | 89 | 0.8% | 8.4% |
| 35 | Coastal Community Bank 35 out of 100, Low | 87 | 0.8% | 3.0% |
| 36 | Bank of O'Fallon | 81 | 0.7% | — |
| 37 | FIGURE LENDING LLC | 79 | 0.7% | — |
| 38 | Carrollton Bank 58 out of 100, Moderate | 78 | 0.7% | 7.4% |
| 39 | 21st Mortgage Corporation | 76 | 0.7% | — |
| 40 | CMG MORTGAGE, INC. | 70 | 0.6% | — |
Top 40 of 337 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Illinois
- Cook County 169,779 apps
- DuPage County 34,312 apps
- Will County 32,608 apps
- Lake County 28,380 apps
- Kane County 21,571 apps
- McHenry County 15,435 apps
- Madison County 11,927 apps
- Winnebago County 11,200 apps
- Kendall County 7,582 apps
- Sangamon County 7,080 apps
- Peoria County 6,053 apps
- McLean County 6,052 apps