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investment property lenders · HMDA 2023–2025

Investment property lenders in St. Clair County, Illinois

Fat Boy Data analyzed investment property mortgage activity in St. Clair County, Illinois to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,332 applications were decided by 161 lenders between 2023 and 2025.

St. Clair County at a glance

161Active lenders15 with 20+ decisions
90.5%Market approval rate1,205 of 1,332 decided
$85KTypical loanmedian lender, $10K brackets
96%Borrower take-up1,162 loans funded

How St. Clair County compares

Approval rate compared
St. Clair County90.5%Illinois88.1%All 616 counties87.5%
Typical loan compared
St. Clair County$85KIllinois$195KAll 616 counties$255K

What the data shows

FCB Banks made the most investment property mortgages in St. Clair County, IL, 140 of them.

Citizens Community Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 36.

The typical investment property mortgage here is $85K, 56% smaller than the Illinois typical of $195K.

Approval rate of all 15 lenders with 20+ decisions here
0%25%50%75%100%Loan Funder LLC: 62% approved of 21Midwest BankCentre: 83% approved of 24United Wholesale Mortgage, LLC: 90% approved of 220Guaranteed Rate, Inc.: 90% approved of 21Bpl Mortgage, LLC: 91% approved of 66Carrollton Bank: 92% approved of 48FCB Banks: 95% approved of 149Bank of Belleville: 98% approved of 65Bank of O'Fallon: 99% approved of 74Citizens Community Bank: 100% approved of 36First National Bank of Waterloo: 100% approved of 31Primelending, A Plainscapital Company: 100% approved of 23Community Bank of Trenton: 100% approved of 23Scott Credit Union: 100% approved of 22Bank of Springfield: 100% approved of 20

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Investment property lenders in St. Clair County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only90%199 / 220100%$85K199
2FCB Banks95%141 / 14999%$105K140
3Bank of O'Fallon99%73 / 74100%$135K73
4Bpl Mortgage, LLC91%60 / 6687%$65K52
5Bank of Belleville98%64 / 6591%$85K58

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 156 more lenders.

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