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2024 data HMDA 2024 disclosure official source

St. Clair County

10,601 mortgage applications, 17.2% denial rate. Verify FIPS 17163 with U.S. Census Bureau →

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Illinois · FIPS 17163

Local mortgage market. St. Clair County, Illinois saw 10,601 HMDA-reported mortgage applications in 2024. Lenders originated 5,420 of those loans and denied 1,828, producing a denial rate of 17.2% and an approval (origination) rate of 51.1%. The average loan amount was $187,444 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.

FIPS 17163 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

10,601
Applications
5,420
Originated
17.2%
Denial Rate
51.1%
Approval Rate
$187,444
Avg Loan Amount
7.08%
Avg Interest Rate
$37K
Avg Applicant Income
5.1x
Loan-to-Income Ratio

Nearby Lenders in St. Clair County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# 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%
Compare Fcb Banks vs Regions Bank →

Frequently Asked Questions

How many mortgage applications were filed in St. Clair County?
In the 2024 HMDA reporting year, 10,601 mortgage applications were filed in St. Clair County, Illinois. Of these, 5,420 were originated (approved and funded), while 1,828 were denied, resulting in a denial rate of 17.2%.
What is the mortgage denial rate in St. Clair County?
The mortgage denial rate in St. Clair County is 17.2%. The approval (origination) rate is 51.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in St. Clair County?
The average mortgage loan amount in St. Clair County is $187,444. The average interest rate is 7.083%. The average applicant income is $37K.
What is the loan-to-income ratio in St. Clair County?
The average loan-to-income ratio in St. Clair County is 5.1x, meaning borrowers took on loans averaging 5.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in St. Clair County?
The top mortgage lenders in St. Clair County by origination volume are Fcb Banks, Regions Bank, Mortgage Research Center. In total, 274 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.