Mortgage lending in St. Clair County
5,770 mortgages were originated in St. Clair County, Illinois, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 5,770
- Median rate
- 6.625%
- Median lender fees
- $3,416
- Median loan amount
- $165,000
- Median spread over APOR
- 0.260
- Paid discount points
- 29.5%
- Received lender credits
- 22.3%
- Purchases / refinances
- 54.3% / 29.3%
- Conventional / FHA / VA
- 64.6% / 11.8% / 23.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 71.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in St. Clair County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 437 | $4,748 | 6.625% |
| FCB Banks | 371 | $2,084 | 6.875% |
| Mortgage Research Center, LLC | 314 | $3,906 | 6.250% |
| DELMAR FINANCIAL COMPANY | 313 | $3,889 | 6.625% |
| Regions Bank | 293 | — | 4.990% |
| SCOTT CREDIT UNION | 270 | $2,296 | 6.938% |
| Rocket Mortgage, LLC | 243 | $4,456 | 6.500% |
| Broker Solutions, Inc. | 195 | $4,437 | 6.875% |
| GUARANTEED RATE, INC. | 151 | $3,717 | 6.575% |
| Midwest BankCentre | 117 | $2,866 | 6.000% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in St. Clair County — not a rule of thumb.
From 4,100 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers