Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for St. Clair County, Illinois
Every institution that decided a 1–4 unit mortgage application in St. Clair County, home to Belleville, between 2023 and 2025: 19,280 applications, 14,418 loans actually funded, across 8 kinds of borrowing.
St. Clair County at a glance
19,280Applications decided
2023–2025
14,418Loans funded
75% of decisions
68Census tracts
23 ZIP codes
254,777People
ACS 2023
What the data shows
The typical purchase mortgage here is $195K.
Home improvement loans is the hardest money to get here: lenders approved 53% of 2,552 applications.
Lending by loan type in St. Clair County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.8% | 9,721 | $195K | 96% | 309 |
| Home improvement loans | 53.4% | 2,552 | $55K | 94% | 91 |
| Cash-out refinance | 62.7% | 2,542 | $135K | 96% | 156 |
| Refinance | 80.8% | 2,570 | $205K | 91% | 171 |
| Investment property purchase | 90.5% | 1,332 | $85K | 96% | 161 |
| Investment cash-out refinance | 69.1% | 249 | $105K | 95% | 76 |
| Investment refinance | 81.0% | 174 | $105K | 99% | 57 |
| Investment home improvement | 63.6% | 140 | $85K | 91% | 39 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.