Mortgage lending in St. Clair County
5,770 mortgages were originated in St. Clair County, Illinois, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. 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
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $165,000
- Above the going rate (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
- Median home price
- $370,000
- That home, 20% down
- $296,000
A median-priced home with 20% down leaves $536,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
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, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers