Home purchase lenders in St. Clair County
3,134 home purchase mortgages were made in St. Clair County, Illinois, in 2025, by 252 lenders. The median rate their borrowers got was 6.625% on a median loan of $195,000. Of 3,665 decisions, 406 were denials — 11.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 270 | 7.000% | $85,000 | 5.6% |
| DELMAR FINANCIAL COMPANY | 260 | 6.625% | $225,000 | 4.0% |
| Mortgage Research Center, LLC | 258 | 6.250% | $305,000 | 4.8% |
| FCB Banks | 208 | 6.750% | $195,000 | 7.6% |
| Broker Solutions, Inc. | 167 | 6.625% | $145,000 | 7.2% |
| GUARANTEED RATE, INC. | 115 | 6.575% | $195,000 | 4.9% |
| Midwest BankCentre | 102 | 6.000% | $210,000 | 8.1% |
| SCOTT CREDIT UNION | 99 | 6.250% | $195,000 | 3.9% |
| GUILD MORTGAGE COMPANY | 91 | 6.625% | $185,000 | 4.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 6.625% | $265,000 | 1.2% |
| ENDEAVOR CAPITAL, LLC. | 68 | 6.625% | $205,000 | 5.6% |
| Fairway Independent Mortgage Corporation | 62 | 6.750% | $180,000 | 7.4% |
| Bank of O'Fallon | 51 | Not published | $185,000 | 1.9% |
| Navy Federal Credit Union | 50 | 6.000% | $285,000 | 15.3% |
| Carrollton Bank | 50 | 6.500% | $160,000 | 8.8% |
| Rocket Mortgage, LLC | 47 | 6.750% | $175,000 | 12.7% |
| DAS Acquisition Company, LLC | 46 | 6.875% | $190,000 | 5.7% |
| Citizens Community Bank | 41 | Not published | $165,000 | 13.2% |
| Zippy Loans, LLC | 39 | 8.000% | $35,000 | 54.7% |
| U.S. Bank National Association | 37 | 6.625% | $155,000 | 19.2% |
| Regions Bank | 36 | 6.563% | $145,000 | 18.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 36 | 6.625% | $185,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 35 | 6.875% | $185,000 | 14.6% |
| First National Bank of Waterloo | 32 | 6.700% | $165,000 | 5.4% |
| CMG MORTGAGE, INC. | 31 | 6.125% | $415,000 | 2.8% |
| Associated Bank, National Association | 28 | 6.500% | $145,000 | 15.2% |
| USAA Federal Savings Bank | 25 | 6.125% | $325,000 | 13.8% |
| Bank of Belleville | 24 | Not published | $190,000 | 3.7% |
| BPL MORTGAGE TRUST, LLC | 23 | 7.625% | $65,000 | 3.3% |
| FLAT BRANCH MORTGAGE, INC. | 22 | 6.875% | $200,000 | 0.0% |
| NQM FUNDING, LLC | 22 | 6.125% | $200,000 | 18.5% |
| First FSB of Mascoutah | 20 | Not published | $160,000 | 0.0% |
| Equity Prime Mortgage LLC | 19 | 7.250% | $155,000 | 26.9% |
| Bank of America, National Association | 17 | 6.125% | $165,000 | 19.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 17 | 6.625% | $285,000 | 9.5% |
| JPMorgan Chase Bank, National Association | 16 | 6.688% | $175,000 | 30.4% |
| Bankers' Bank | 16 | 6.813% | $250,000 | 15.8% |
| LOWER, LLC | 16 | 6.875% | $235,000 | 11.1% |
| Bank of Springfield | 16 | 6.895% | $155,000 | 0.0% |
| Busey Bank | 14 | 6.563% | $160,000 | 12.5% |
| LEADERONE FINANCIAL CORPORATION | 14 | 6.750% | $165,000 | 17.7% |
| Loandepot.Com, LLC | 14 | 6.875% | $160,000 | 6.7% |
| Bell Bank | 14 | 6.750% | $190,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | 6.663% | $215,000 | 14.3% |
| TOGETHER CREDIT UNION | 11 | 6.250% | $215,000 | 14.3% |
| First Mid Bank & Trust, National Association | 11 | 6.500% | $125,000 | 0.0% |
| FIRST COMMUNITY | 10 | 7.313% | $155,000 | 38.9% |
| ZILLOW HOME LOANS, LLC | 10 | 6.563% | $165,000 | 7.7% |
| NATIONS DIRECT MORTGAGE, LLC | 10 | 6.553% | $250,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 10 | 6.750% | $225,000 | 8.3% |
| Midland States Bank | 10 | 6.188% | $260,000 | 0.0% |
| GCS Credit Union | 10 | Not published | $155,000 | 0.0% |
| Dieterich Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| KIND LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| The Central Trust Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| GERSHMAN INVESTMENT CORP. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| PENNYMAC LOAN SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Paramount Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Collinsville Building and Loan Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Commerce Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Buena Vista National Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| FRONTIER FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 74.1% |
| TRIAD FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 58.1% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NEWREZ LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST MIDAMERICA CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers and Merchants National Bank of Nashville | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| United Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 3 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| FIRSTTRUST HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 3 | Under 10 loans | Under 10 loans | 20.0% |
| NEIGHBORS Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Lindell Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 1NB Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hillsboro, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 20.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Jersey State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Petefish, Skiles & Co. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VANTAGE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HEARTLAND | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 95.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INB, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GMFS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Peoples National Bank , N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Enterprise Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Germantown Trust & Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Old Monroe | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Chambers Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FINANCE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gulf Coast Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COAST ONE MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bradford National Bank of Greenville | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JLB CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Hometown Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THOMPSON KANE & COMPANY, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank, A FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH & SLAVIC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Montgomery Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GAS AND ELECTRIC CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Herrin | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank of Freedom | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 52 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.