FCB Banks mortgage approval rate & lending review
FCB Banks decided 3,253 mortgage applications and funded 2,951 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions FCB Banks reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
FCB Banks at a glance
Approval is 11.0 points above the 80.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 1,334 / 1,426 | 100% | $225K | 1,331 |
| Home improvement loans | 86% | 401 / 469 | 99% | $55K | 398 |
| Cash-out refinance | 76% | 28 / 37 | 96% | $175K | 27 |
| Refinance | 85% | 347 / 408 | 99% | $95K | 345 |
| Investment property purchase | 97% | 597 / 616 | 99% | $115K | 593 |
| Investment cash-out refinance | 88% | 98 / 111 | 96% | $125K | 94 |
| Investment refinance | 82% | 51 / 62 | 100% | $155K | 51 |
| Investment home improvement | 91% | 113 / 124 | 99% | $185K | 112 |
FCB Banks lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 91% | $175K | 2,600 | 2,343 |
| Missouri | 93% | $135K | 581 | 537 |
| Florida | 100% | $325K | 31 | 31 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where FCB Banks lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Madison County, IL | Mortgage lenders | 94% | 778 | 734 |
| St. Clair County, IL | Mortgage lenders | 92% | 469 | 428 |
| Madison County, IL | Home improvement loans | 89% | 281 | 247 |
| Madison County, IL | Investment property purchase | 97% | 205 | 197 |
| Madison County, IL | Refinance | 85% | 219 | 186 |
| St. Clair County, IL | Investment property purchase | 95% | 149 | 140 |
| St. Clair County, IL | Refinance | 85% | 147 | 124 |
| St. Clair County, IL | Home improvement loans | 77% | 142 | 110 |
| St. Louis County, MO | Investment property purchase | 98% | 98 | 95 |
| St. Louis city, MO | Investment property purchase | 98% | 98 | 95 |
| Jefferson County, MO | Mortgage lenders | 100% | 39 | 39 |
| St. Louis County, MO | Mortgage lenders | 89% | 36 | 32 |
The county markets where FCB Banks made the most loans. Each link opens that market with every lender ranked.
Questions about FCB Banks
What is FCB Banks's mortgage approval rate?
FCB Banks approved 91.3% of the 3,253 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.0 points above the 80.3% national rate for the same mix of loan types.
How often do borrowers take the loan FCB Banks offers?
Borrowers accepted 99% of the loans FCB Banks approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does FCB Banks make?
The typical home purchase mortgage loan FCB Banks made was $225K; across all loan types its typical loan ran from $55K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does FCB Banks lend?
FCB Banks decided applications in 19 of the states Fat Boy Data covers, most of them in Illinois, Missouri and Florida.
Can I apply to FCB Banks directly?
Yes. FCB Banks is a bank or credit union with 18 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show FCB Banks's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how FCB Banks treats applications, then get a rate quote from the lender.