refinance lenders · HMDA 2023–2025

Refinance lenders in St. Clair County, Illinois

Fat Boy Data analyzed mortgage refinance activity in St. Clair County, Illinois to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,570 applications were decided by 171 lenders between 2023 and 2025.

St. Clair County at a glance

171Active lenders25 with 20+ decisions
80.8%Market approval rate2,077 of 2,570 decided
$205KTypical loanmedian lender, $10K brackets
91%Borrower take-up1,892 loans funded

How St. Clair County compares

Approval rate compared
St. Clair County80.8%Illinois78.8%All 616 counties76.5%
Typical loan compared
St. Clair County$205KIllinois$285KAll 616 counties$295K

What the data shows

Regions Bank made the most mortgage refinances in St. Clair County, IL, 245 of them.

Delmar Financial Company approved the highest share of applications among lenders with at least 20 decisions here, 100% of 80.

The typical mortgage refinance here is $205K, 28% smaller than the Illinois typical of $285K.

Approval rate of all 25 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 32% approved of 41Lakeview Loan Servicing, LLC: 39% approved of 57Newrez LLC: 60% approved of 55Bank of America, National Association: 68% approved of 28Associated Bank, National Association: 70% approved of 46Regions Bank: 74% approved of 374U.S. Bank National Association: 74% approved of 23Scott Credit Union: 75% approved of 92Mortgage Research Center, LLC: 76% approved of 136Royal United Mortgage LLC: 77% approved of 48Commerce Bank: 77% approved of 53Planet Home Lending, LLC: 78% approved of 23Rocket Mortgage, LLC: 80% approved of 112PNC Bank, National Association: 81% approved of 26FCB Banks: 85% approved of 147Guild Mortgage Company LLC: 88% approved of 25Guaranteed Rate, Inc.: 88% approved of 34Busey Bank: 90% approved of 29Pennymac Loan Services, LLC: 90% approved of 104United Wholesale Mortgage, LLC: 91% approved of 200First National Bank of Waterloo: 97% approved of 58Citizens Community Bank: 97% approved of 33Freedom Mortgage Corporation: 98% approved of 136Village Capital & Investment LLC: 98% approved of 55Delmar Financial Company: 100% approved of 80

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in St. Clair County

LenderApprovalApprovedTaken upTypical loanLoans made
1Regions Bank74%276 / 37489%$85K245
2United Wholesale Mortgage, LLCBroker only91%182 / 20093%$325K170
3FCB Banks85%125 / 14799%$115K124
4Mortgage Research Center, LLC76%103 / 13696%$295K99
5Freedom Mortgage Corporation98%133 / 13680%$255K106

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 166 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in St. Clair County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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