St. Clair County
Illinois · FIPS 17163
According to CFPB HMDA 2024 application volume among U.S. counties, St. Clair County ranks #287 of 3,223, and #8 of 102 in Illinois.
Mortgage lending activity in St. Clair County, Illinois based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. St. Clair County, Illinois lenders denied 1,828 of the applications reported here, financing the rest at an average note rate of 7.08%, with applicants self-reporting average annual income of $37K. 274 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in St. Clair County
In St. Clair County, lead originator Fcb Banks funded only 6.2% of 5,420 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to St. Clair County's 10,601 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to St. Clair County's $187,444 average loan (deduped against volume peers).
Lenders active in St. Clair County
Fcb Banks funded 337 of the 5,420 loans originated in St. Clair County, 6.2% of the county. 274 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Fcb Banks | 337 | 6.2% |
| 2 | Regions Bank | 334 | 6.2% |
| 3 | Mortgage Research Center | 321 | 5.9% |
| 4 | United Wholesale Mortgage | 320 | 5.9% |
| 5 | Delmar Financial Company | 306 | 5.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For St. Clair County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for St. Clair County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.