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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in St. Clair County, Illinois

Fat Boy Data analyzed cash-out refinance activity in St. Clair County, Illinois, home to Belleville, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,542 applications were decided by 156 lenders between 2023 and 2025.

St. Clair County at a glance

156Active lenders26 with 20+ decisions
62.7%Market approval rate1,593 of 2,542 decided
$135KTypical loanmedian lender, $10K brackets
96%Borrower take-up1,523 loans funded

How St. Clair County compares

Approval rate compared
St. Clair County62.7%Illinois66.4%All 616 counties68.2%
Typical loan compared
St. Clair County$135KIllinois$155KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in St. Clair County, IL, 291 of them.

Bank of O'Fallon approved the highest share of applications among lenders with at least 20 decisions here, 100% of 23.

The typical cash-out refinance here is $135K, 13% smaller than the Illinois typical of $155K.

Approval rate of all 26 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 21% approved of 165Mortgage Research Center, LLC: 23% approved of 123One lender: 23% approved of 48One lender: 45% approved of 103One lender: 45% approved of 98One lender: 48% approved of 80One lender: 54% approved of 26One lender: 56% approved of 25One lender: 59% approved of 41One lender: 59% approved of 51One lender: 60% approved of 45One lender: 66% approved of 70One lender: 66% approved of 107One lender: 68% approved of 60United Wholesale Mortgage, LLC: 73% approved of 117Rocket Mortgage, LLC: 74% approved of 409One lender: 76% approved of 21One lender: 77% approved of 108Scott Credit Union: 81% approved of 119One lender: 83% approved of 24One lender: 85% approved of 59One lender: 88% approved of 40One lender: 90% approved of 21One lender: 91% approved of 23One lender: 97% approved of 29One lender: 100% approved of 23

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Cash-out refinance lenders in St. Clair County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC74%301 / 40997%$125K291
2Amerisave Mortgage Corporation21%34 / 16597%$115K33
3Mortgage Research Center, LLC23%28 / 123100%$285K28
4Scott Credit Union81%96 / 11996%$95K92
5United Wholesale Mortgage, LLCBroker only73%85 / 117100%$205K85

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

Fat Boy found 151 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest cash-out refinance lenders in St. Clair County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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