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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in St. Clair County, Illinois

Fat Boy Data analyzed home improvement loan 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. 2,552 applications were decided by 91 lenders between 2023 and 2025.

St. Clair County at a glance

91Active lenders20 with 20+ decisions
53.4%Market approval rate1,362 of 2,552 decided
$55KTypical loanmedian lender, $10K brackets
94%Borrower take-up1,275 loans funded

How St. Clair County compares

Approval rate compared
St. Clair County53.4%Illinois57.9%All 616 counties62.7%
Typical loan compared
St. Clair County$55KIllinois$75KAll 616 counties$75K

What the data shows

Regions Bank made the most home improvement loans in St. Clair County, IL, 277 of them.

FCB Banks approved the highest share of applications among lenders with at least 20 decisions here, 77% of 142.

The typical home improvement loan here is $55K, 27% smaller than the Illinois typical of $75K.

Approval rate of all 20 lenders with 20+ decisions here
0%25%50%75%100%One lender: 19% approved of 36U.S. Bank National Association: 31% approved of 156One lender: 32% approved of 66One lender: 33% approved of 115One lender: 35% approved of 78One lender: 37% approved of 84One lender: 44% approved of 34One lender: 44% approved of 124One lender: 46% approved of 54One lender: 50% approved of 30One lender: 50% approved of 20Navy Federal Credit Union: 50% approved of 135Regions Bank: 50% approved of 603One lender: 60% approved of 48One lender: 61% approved of 38One lender: 64% approved of 25Scott Credit Union: 65% approved of 394One lender: 71% approved of 21FCB Banks: 77% approved of 142One lender: 98% approved of 59

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.

Home improvement loan lenders in St. Clair County

LenderApprovalApprovedTaken upTypical loanLoans made
1Regions Bank50%304 / 60391%$55K277
2Scott Credit Union65%255 / 394100%$55K255
3U.S. Bank National Association31%49 / 15698%$45K48
4FCB Banks77%110 / 142100%$55K110
5Navy Federal Credit Union50%68 / 135100%$55K68

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 86 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest home improvement loan 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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