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investment property refinance lenders · HMDA 2023–2025

Investment property refinance lenders in St. Clair County, Illinois

Fat Boy Data analyzed investment property refinance 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. 174 applications were decided by 57 lenders between 2023 and 2025.

St. Clair County at a glance

57Active lenders1 with 20+ decisions
81.0%Market approval rate141 of 174 decided
$105KTypical loanmedian lender, $10K brackets
99%Borrower take-up139 loans funded

How St. Clair County compares

Approval rate compared
St. Clair County81.0%Illinois81.4%All 616 counties77.7%
Typical loan compared
St. Clair County$105KIllinois$165KAll 616 counties$235K

What the data shows

Citizens Community Bank made the most investment property refinances in St. Clair County, IL, 22 of them.

Citizens Community Bank approved the highest share of applications among lenders with at least 20 decisions here, 92% of 24.

The typical investment property refinance here is $105K, 36% smaller than the Illinois typical of $165K.

Investment property refinance lenders in St. Clair County

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Community Bank92%22 / 24100%$125K22
2First National Bank of WaterlooLimited sample88%14 / 1693%$75K13
3FCB BanksLimited sample79%11 / 14100%$105K11
4Bank of SpringfieldLimited sample92%11 / 12100%$85K11
5United Wholesale Mortgage, LLCBroker only60%6 / 10100%$95K6

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 52 more lenders.

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