Mortgage lenders in St. Clair County
5,770 mortgages were made in St. Clair County, Illinois, in 2025, by 342 lenders. The median rate their borrowers got was 6.625% on a median loan of $165,000. Of 7,944 decisions, 1,820 were denials — 22.9%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 437 | 6.625% | $175,000 | 10.0% |
| FCB Banks | 371 | 6.875% | $135,000 | 14.1% |
| Mortgage Research Center, LLC | 314 | 6.250% | $305,000 | 18.0% |
| DELMAR FINANCIAL COMPANY | 313 | 6.625% | $235,000 | 3.3% |
| Regions Bank | 293 | 4.990% | $85,000 | 39.3% |
| SCOTT CREDIT UNION | 270 | 6.938% | $105,000 | 27.0% |
| Rocket Mortgage, LLC | 243 | 6.500% | $135,000 | 24.9% |
| Broker Solutions, Inc. | 195 | 6.625% | $145,000 | 14.0% |
| GUARANTEED RATE, INC. | 151 | 6.575% | $195,000 | 7.1% |
| Midwest BankCentre | 117 | 6.000% | $205,000 | 7.9% |
| GUILD MORTGAGE COMPANY | 114 | 6.625% | $175,000 | 7.4% |
| FREEDOM MORTGAGE CORPORATION | 112 | 6.000% | $235,000 | 12.1% |
| Navy Federal Credit Union | 105 | 6.875% | $165,000 | 37.5% |
| U.S. Bank National Association | 84 | 7.313% | $100,000 | 53.0% |
| ENDEAVOR CAPITAL, LLC. | 84 | 6.500% | $210,000 | 5.6% |
| PENNYMAC LOAN SERVICES, LLC | 83 | 6.125% | $175,000 | 24.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 81 | 6.625% | $255,000 | 3.1% |
| Bank of O'Fallon | 80 | Not published | $145,000 | 1.2% |
| Fairway Independent Mortgage Corporation | 74 | 6.750% | $210,000 | 8.5% |
| Citizens Community Bank | 71 | Not published | $155,000 | 8.4% |
| Associated Bank, National Association | 63 | 7.000% | $85,000 | 33.7% |
| Carrollton Bank | 62 | 6.625% | $145,000 | 8.6% |
| First National Bank of Waterloo | 62 | 6.750% | $125,000 | 4.4% |
| Loandepot.Com, LLC | 53 | 6.875% | $135,000 | 39.3% |
| DAS Acquisition Company, LLC | 50 | 6.875% | $190,000 | 5.2% |
| Commerce Bank | 45 | 6.750% | $55,000 | 44.7% |
| NATIONSTAR MORTGAGE LLC | 45 | 7.750% | $95,000 | 16.1% |
| First FSB of Mascoutah | 43 | Not published | $145,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 40 | 6.625% | $210,000 | 0.0% |
| Zippy Loans, LLC | 39 | 8.000% | $35,000 | 54.7% |
| FIGURE LENDING LLC | 39 | 8.450% | $45,000 | 25.8% |
| CMG MORTGAGE, INC. | 39 | 6.125% | $395,000 | 4.4% |
| NEWREZ LLC | 38 | 6.313% | $240,000 | 47.2% |
| Bank of America, National Association | 37 | 6.250% | $115,000 | 53.8% |
| FIRST COMMUNITY | 37 | 6.950% | $85,000 | 54.8% |
| TOGETHER CREDIT UNION | 37 | 7.500% | $85,000 | 20.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 37 | 6.875% | $185,000 | 14.0% |
| Bank of Belleville | 36 | Not published | $170,000 | 4.9% |
| PNC Bank, National Association | 34 | 7.635% | $75,000 | 37.5% |
| USAA Federal Savings Bank | 30 | 6.125% | $295,000 | 18.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 30 | 6.750% | $190,000 | 15.4% |
| BPL MORTGAGE TRUST, LLC | 30 | 7.625% | $75,000 | 7.7% |
| GCS Credit Union | 29 | Not published | $65,000 | 9.1% |
| FLAT BRANCH MORTGAGE, INC. | 29 | 6.875% | $205,000 | 0.0% |
| Bank of Springfield | 27 | 6.950% | $125,000 | 3.6% |
| Coastal Community Bank | 26 | 10.365% | $35,000 | 1.5% |
| Equity Prime Mortgage LLC | 24 | 7.188% | $170,000 | 27.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 24 | 6.663% | $210,000 | 15.6% |
| Busey Bank | 24 | 7.700% | $100,000 | 17.2% |
| LOWER, LLC | 24 | 6.875% | $285,000 | 14.3% |
| Bankers' Bank | 24 | 6.688% | $250,000 | 14.3% |
| JPMorgan Chase Bank, National Association | 23 | 6.625% | $175,000 | 30.3% |
| The Central Trust Bank | 23 | 6.990% | $145,000 | 11.1% |
| NQM FUNDING, LLC | 23 | 6.125% | $195,000 | 17.9% |
| NEW DAY FINANCIAL, LLC | 22 | 7.245% | $235,000 | 52.1% |
| Lendage, LLC | 22 | 11.750% | $55,000 | 4.2% |
| First Mid Bank & Trust, National Association | 21 | 7.000% | $115,000 | 12.5% |
| AmeriSave Mortgage Corporation | 19 | 8.250% | $65,000 | 79.4% |
| LAKEVIEW LOAN SERVICING, LLC | 19 | 6.750% | $115,000 | 65.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 19 | 6.625% | $205,000 | 45.7% |
| PLANET HOME LENDING, LLC | 19 | 5.875% | $205,000 | 19.2% |
| SPRING EQ, LLC | 18 | 11.238% | $55,000 | 55.6% |
| Midland States Bank | 18 | 5.995% | $185,000 | 19.2% |
| UMB Bank, National Association | 18 | 6.058% | $60,000 | 17.4% |
| LEADERONE FINANCIAL CORPORATION | 17 | 6.750% | $195,000 | 19.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 16 | 7.080% | $90,000 | 11.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | 15 | 5.750% | $315,000 | 34.2% |
| Bell Bank | 15 | 6.750% | $205,000 | 11.8% |
| Wells Fargo Bank, National Association | 14 | 6.438% | $140,000 | 17.7% |
| Stifel Bank and Trust | 14 | 6.500% | $270,000 | 6.7% |
| CITIZENS EQUITY FIRST | 13 | 7.500% | $65,000 | 36.4% |
| Dieterich Bank | 13 | Not published | $190,000 | 6.7% |
| LoanUnited.com, LLC | 13 | 6.250% | $215,000 | 7.1% |
| The Federal Savings Bank | 12 | 6.250% | $290,000 | 7.7% |
| NATIONS DIRECT MORTGAGE, LLC | 12 | 6.553% | $250,000 | 0.0% |
| Collinsville Building and Loan Association | 12 | Not published | $180,000 | 0.0% |
| PHH Mortgage Corporation | 11 | 5.875% | $145,000 | 7.7% |
| ROYAL UNITED MORTGAGE LLC | 11 | 7.000% | $85,000 | 21.4% |
| JLB CORPORATION | 11 | 6.125% | $175,000 | 8.3% |
| Loan Funder LLC | 10 | 10.250% | $115,000 | 44.4% |
| First Bank | 10 | 8.125% | $75,000 | 44.4% |
| ZILLOW HOME LOANS, LLC | 10 | 6.563% | $165,000 | 7.7% |
| MOVEMENT MORTGAGE, LLC | 10 | 6.375% | $140,000 | 8.3% |
| ENVOY MORTGAGE, LTD | 10 | 6.750% | $225,000 | 8.3% |
| First State Bank of St. Charles, Missouri | 10 | 6.875% | $245,000 | 0.0% |
| GERSHMAN INVESTMENT CORP. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 40.0% |
| NEIGHBORS Credit Union | 9 | Under 10 loans | Under 10 loans | 40.0% |
| KIND LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 8 | Under 10 loans | Under 10 loans | 28.6% |
| Paramount Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| The Farmers and Merchants National Bank of Nashville | 8 | Under 10 loans | Under 10 loans | 9.1% |
| Buena Vista National Bank | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 81.1% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 61.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 41.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST MIDAMERICA CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 46.2% |
| BMO Bank National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Third Federal Savings and Loan Association of Cleveland | 6 | Under 10 loans | Under 10 loans | 40.0% |
| State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VANTAGE Credit Union | 6 | Under 10 loans | Under 10 loans | 30.0% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| United Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FRONTIER FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 75.0% |
| TRIAD FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 59.4% |
| Truist Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Armed Forces Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARSENAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Nations Lending Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Click n' Close, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hillsboro, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| United Trust Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Lindell Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Heartland Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 3 | Under 10 loans | Under 10 loans | 62.5% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 60.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 44.4% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRSTTRUST HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 3 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 1NB Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Bradford National Bank of Greenville | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GATEWAY METRO | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HEARTLAND | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Jersey State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Petefish, Skiles & Co. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Montgomery Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Herrin | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 95.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANCE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 142 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in St. Clair County
68 FDIC-insured branches from 26 banks, as of 30 June 2026, with the deposits held at them.
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When the next year’s lending figures are out for St. Clair County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.