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Multifamily lenders in St. Clair County, IL

27 lenders made 89 multifamily loans in St. Clair County, IL in 2024 and 2025, $170.5M in all. FCB Banks made the most, with 27. The typical loan was about $420K. The county is part of the St. Louis, MO-IL metro area.

Evidence
Multifamily loans placed in the county, HMDA
Data as of
HMDA 2025
Page last changed
November 11, 2026
Lenders on record
27
HMDA,
Multifamily loans, 2024-25
89
HMDA,
Manufactured-home parks excluded
Dollars
$170M
HMDA,
Typical loan
$420K
HMDA,

Cite this

Source: The Lender Report, Multifamily lenders in St. Clair County, IL, https://lender.report/lenders-in/illinois/st-clair-county/, data as of December 31, 2025.

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St. Clair County, IL multifamily lenders. Ordered by loans recorded in the place, then dollars, then name. Payment is not part of the order.
LenderKindBased inLoansDollars2025 loans2024 loansTypical loan
FCB Banks multifamily recordBankCollinsville, IL27$36.7M1215$340K
Bank of Belleville multifamily recordBankBelleville, IL7$2.32M52$260K
Bank of O'Fallon multifamily recordBankO'Fallon, IL6$4.54M33$920K
Dieterich Bank multifamily recordBankEffingham, IL5$15.3M50$1.2M
First FSB of Mascoutah multifamily recordBankMascoutah, IL4$2.38M22$680K
First National Bank of Waterloo multifamily recordBankWaterloo, IL4$1.30M04$320K
Citizens Community Bank multifamily recordBankMascoutah, IL3$11.6M21$500K
First Mid Bank & Trust, National Association multifamily recordBankMattoon, IL3$1.54M30$480K
Greystone Servicing Corporation, Inc. multifamily recordNon-bankMemphis, TN2$25.6M11$18M
Arbor Realty Trust, Inc. multifamily recordNon-bankUniondale, NY2$16.5M11$10M
Lindell Bank & Trust Company multifamily recordBankSt. Louis, MO2$2.14M11$1.8M
Constitution Bank, National Association multifamily recordBankHillsboro, IL2$2.08M11$1.7M
U.S. Bank National Association multifamily recordBankCincinnati, OH2$1.88M02$1M
Great Southern Bank multifamily recordBankReeds Spring, MO2$1.40M20$1M
Bank of Springfield multifamily recordBankSpringfield, IL2$1.24M11$620K
Carrollton Bank multifamily recordBankCarrollton, IL2$485K11$420K
The Farmers and Merchants National Bank of NashvilleBankNashville, IL2$340K11$240K
Walker & Dunlop, LLC multifamily recordNon-bankBethesda, MD1$26.0M10$26M
Merchants Bank of Indiana multifamily recordBankCarmel, IN1$12.0M01$12M
Commerce Bank multifamily recordBankKansas City, MO1$1.30M10$1.3M
1NB Bank multifamily recordBankCarlyle, IL1$1.00M01$1M
Peoples National Bank , N.A. multifamily recordBankMount Vernon, IL1$1.00M01$1M
Together Credit Union multifamily recordCredit unionSaint Louis, MO1$560K01$560K
First State Bank of St. Charles, MissouriBankSt. Charles, MO1$340K10$340K
The Central Trust Bank multifamily recordBankJefferson City, MO1$260K01$260K
Velocity Commercial Capital LLC multifamily recordNon-bankWestlake Village, CA1$240K10$240K
Midwest BankCentre multifamily recordBankLemay, MO1$160K10$160K
HMDA,

Check a deal in St. Clair County, IL in Loan Comps

Loans by size in St. Clair County, IL
Loan sizeLoansLenders
Under $1M6620
$1M to $2.5M1410
$2.5M to $5M00
$5M to $10M22
$10M or more77
HMDA,
  • Lenders made 89 multifamily loans totaling $170.5M in St. Clair County, IL in 2024 and 2025. HMDA,
  • 2 of these loans were made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA,
  • 46 of the loans were made in 2025 and 43 in 2024. HMDA,
  • The typical loan in St. Clair County, IL was about $420K, with the middle half between $280K and $1M. HMDA,
  • 66 of the loans were under $1M, and 9 were $5M or more. HMDA,
  • Lenders reported a median rate of 7.25% on 56 loans in St. Clair County, IL, with the middle half between 7.00% and 8.15%. HMDA,
  • The median term was 5 years. HMDA,
  • The median loan to value was 73%. HMDA,
  • 26% of the loans were refinancings and 72% were purchases. HMDA,
  • Banks and savings institutions made 80 of the loans, credit unions 1, and non-banks 6. HMDA,
  • The five most active lenders made 55.1% of the loans. HMDA,
  • The three most active lenders were FCB Banks with 27, Bank of Belleville with 7, and Bank of O'Fallon with 6. HMDA,
  • 14 of the 27 lenders are based in Illinois. The rest are based elsewhere, most often in Missouri, California and Indiana. HMDA,
  • The most common property size was 5 to 24 units, with 69 loans. HMDA,
  • St. Clair County, IL is part of the St. Louis, MO-IL metro area, which has its own page. OMB metro list,

How this list is defined

Measure
Multifamily loans made in St. Clair County, IL
Period
2024 and 2025
Formula
Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county.
Order
Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.
As of
2025
Source
HMDA
Changelog
  • : First published, with the data built on this date.

What we don't know

  • Whether any of these lenders is taking new loans today.
  • What they charge or require beyond the rate and term that HMDA reports.
  • Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.

A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.

SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them.

HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.

Lenders that merged or stopped filing are left out.

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.