refinance lenders · HMDA 2023–2025

Refinance lenders in St. Clair County, Illinois

Fat Boy Data analyzed mortgage 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. 2,570 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%One lender: 32% approved of 41One lender: 39% approved of 57One lender: 60% approved of 55One lender: 68% approved of 28One lender: 70% approved of 46Regions Bank: 74% approved of 374One lender: 74% approved of 23One lender: 75% approved of 92Mortgage Research Center, LLC: 76% approved of 136One lender: 77% approved of 48One lender: 77% approved of 53One lender: 78% approved of 23One lender: 80% approved of 112One lender: 81% approved of 26FCB Banks: 85% approved of 147One lender: 88% approved of 25One lender: 88% approved of 34One lender: 90% approved of 29One lender: 90% approved of 104United Wholesale Mortgage, LLC: 91% approved of 200One lender: 97% approved of 58One lender: 97% approved of 33Freedom Mortgage Corporation: 98% approved of 136One lender: 98% approved of 55One lender: 100% approved of 80

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.

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 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 166 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage 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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