--- title: Multifamily Lenders in St. Clair County, IL: 27 Made Loans url: https://lender.report/lenders-in/illinois/st-clair-county/ license: https://lender.report/license/ --- County ยท IL # 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, 2025 **Multifamily loans, 2024-25** 89 HMDA, 2025 Manufactured-home parks excluded **Dollars** $170M HMDA, 2025 **Typical loan** $420K HMDA, 2025 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. ## Describe a deal in St. Clair County, IL See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show multifamily loans in St. Clair County, IL](https://lender.report/comps/?lane=multifamily&state=IL&county=17163)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan | | --- | --- | --- | --- | --- | --- | --- | --- | | [FCB Banks](https://lender.report/lender/fcb-banks-il/) [multifamily record](https://lender.report/lender/fcb-banks-il/multifamily/) | Bank | Collinsville, IL | 27 | $36.7M | 12 | 15 | $340K | | [Bank of Belleville](https://lender.report/lender/bank-of-belleville-il/) [multifamily record](https://lender.report/lender/bank-of-belleville-il/multifamily/) | Bank | Belleville, IL | 7 | $2.32M | 5 | 2 | $260K | | [Bank of O'Fallon](https://lender.report/lender/bank-of-o-fallon-il/) [multifamily record](https://lender.report/lender/bank-of-o-fallon-il/multifamily/) | Bank | O'Fallon, IL | 6 | $4.54M | 3 | 3 | $920K | | [Dieterich Bank](https://lender.report/lender/dieterich-bank-il/) [multifamily record](https://lender.report/lender/dieterich-bank-il/multifamily/) | Bank | Effingham, IL | 5 | $15.3M | 5 | 0 | $1.2M | | [First FSB of Mascoutah](https://lender.report/lender/first-fsb-of-mascoutah-il/) [multifamily record](https://lender.report/lender/first-fsb-of-mascoutah-il/multifamily/) | Bank | Mascoutah, IL | 4 | $2.38M | 2 | 2 | $680K | | [First National Bank of Waterloo](https://lender.report/lender/first-national-bank-of-waterloo-il/) [multifamily record](https://lender.report/lender/first-national-bank-of-waterloo-il/multifamily/) | Bank | Waterloo, IL | 4 | $1.30M | 0 | 4 | $320K | | [Citizens Community Bank](https://lender.report/lender/citizens-community-bank-il/) [multifamily record](https://lender.report/lender/citizens-community-bank-il/multifamily/) | Bank | Mascoutah, IL | 3 | $11.6M | 2 | 1 | $500K | | [First Mid Bank & Trust, National Association](https://lender.report/lender/first-mid-bank-and-trust-il/) [multifamily record](https://lender.report/lender/first-mid-bank-and-trust-il/multifamily/) | Bank | Mattoon, IL | 3 | $1.54M | 3 | 0 | $480K | | [Greystone Servicing Corporation, Inc.](https://lender.report/lender/greystone-servicing-tn-memphis-kqgfmz98/) [multifamily record](https://lender.report/lender/greystone-servicing-tn-memphis-kqgfmz98/multifamily/) | Non-bank | Memphis, TN | 2 | $25.6M | 1 | 1 | $18M | | [Arbor Realty Trust, Inc.](https://lender.report/lender/arbor-realty-trust-ny/) [multifamily record](https://lender.report/lender/arbor-realty-trust-ny/multifamily/) | Non-bank | Uniondale, NY | 2 | $16.5M | 1 | 1 | $10M | | [Lindell Bank & Trust Company](https://lender.report/lender/lindell-bank-and-trust-mo/) [multifamily record](https://lender.report/lender/lindell-bank-and-trust-mo/multifamily/) | Bank | St. Louis, MO | 2 | $2.14M | 1 | 1 | $1.8M | | [Constitution Bank, National Association](https://lender.report/lender/constitution-bank-il/) [multifamily record](https://lender.report/lender/constitution-bank-il/multifamily/) | Bank | Hillsboro, IL | 2 | $2.08M | 1 | 1 | $1.7M | | [U.S. Bank National Association](https://lender.report/lender/u-s-bank-oh/) [multifamily record](https://lender.report/lender/u-s-bank-oh/multifamily/) | Bank | Cincinnati, OH | 2 | $1.88M | 0 | 2 | $1M | | [Great Southern Bank](https://lender.report/lender/great-southern-bank-mo/) [multifamily record](https://lender.report/lender/great-southern-bank-mo/multifamily/) | Bank | Reeds Spring, MO | 2 | $1.40M | 2 | 0 | $1M | | [Bank of Springfield](https://lender.report/lender/bank-of-springfield-il/) [multifamily record](https://lender.report/lender/bank-of-springfield-il/multifamily/) | Bank | Springfield, IL | 2 | $1.24M | 1 | 1 | $620K | | [Carrollton Bank](https://lender.report/lender/carrollton-bank-il/) [multifamily record](https://lender.report/lender/carrollton-bank-il/multifamily/) | Bank | Carrollton, IL | 2 | $485K | 1 | 1 | $420K | | [The Farmers and Merchants National Bank of Nashville](https://lender.report/lender/farmers-and-merchants-national-bank-of-nashville-il/) | Bank | Nashville, IL | 2 | $340K | 1 | 1 | $240K | | [Walker & Dunlop, LLC](https://lender.report/lender/walker-and-dunlop-md/) [multifamily record](https://lender.report/lender/walker-and-dunlop-md/multifamily/) | Non-bank | Bethesda, MD | 1 | $26.0M | 1 | 0 | $26M | | [Merchants Bank of Indiana](https://lender.report/lender/merchants-bank-of-indiana-in/) [multifamily record](https://lender.report/lender/merchants-bank-of-indiana-in/multifamily/) | Bank | Carmel, IN | 1 | $12.0M | 0 | 1 | $12M | | [Commerce Bank](https://lender.report/lender/commerce-bank-mo/) [multifamily record](https://lender.report/lender/commerce-bank-mo/multifamily/) | Bank | Kansas City, MO | 1 | $1.30M | 1 | 0 | $1.3M | | [1NB Bank](https://lender.report/lender/1nb-bank-il/) [multifamily record](https://lender.report/lender/1nb-bank-il/multifamily/) | Bank | Carlyle, IL | 1 | $1.00M | 0 | 1 | $1M | | [Peoples National Bank , N.A.](https://lender.report/lender/peoples-national-bank-il/) [multifamily record](https://lender.report/lender/peoples-national-bank-il/multifamily/) | Bank | Mount Vernon, IL | 1 | $1.00M | 0 | 1 | $1M | | [Together Credit Union](https://lender.report/lender/together-credit-union-mo/) [multifamily record](https://lender.report/lender/together-credit-union-mo/multifamily/) | Credit union | Saint Louis, MO | 1 | $560K | 0 | 1 | $560K | | [First State Bank of St. Charles, Missouri](https://lender.report/lender/first-state-bank-of-st-charles-missouri-mo/) | Bank | St. Charles, MO | 1 | $340K | 1 | 0 | $340K | | [The Central Trust Bank](https://lender.report/lender/central-trust-bank-mo/) [multifamily record](https://lender.report/lender/central-trust-bank-mo/multifamily/) | Bank | Jefferson City, MO | 1 | $260K | 0 | 1 | $260K | | [Velocity Commercial Capital LLC](https://lender.report/lender/velocity-commercial-capital-ca/) [multifamily record](https://lender.report/lender/velocity-commercial-capital-ca/multifamily/) | Non-bank | Westlake Village, CA | 1 | $240K | 1 | 0 | $240K | | [Midwest BankCentre](https://lender.report/lender/midwest-bankcentre-mo/) [multifamily record](https://lender.report/lender/midwest-bankcentre-mo/multifamily/) | Bank | Lemay, MO | 1 | $160K | 1 | 0 | $160K | HMDA, 2025 [Check a deal in St. Clair County, IL in Loan Comps](https://lender.report/comps/?lane=multifamily&state=IL&county=17163) | Loan size | Loans | Lenders | | --- | --- | --- | | Under $1M | 66 | 20 | | $1M to $2.5M | 14 | 10 | | $2.5M to $5M | 0 | 0 | | $5M to $10M | 2 | 2 | | $10M or more | 7 | 7 | HMDA, 2025 - Lenders made 89 multifamily loans totaling $170.5M in St. Clair County, IL in 2024 and 2025. HMDA, 2025 - 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, 2025 - 46 of the loans were made in 2025 and 43 in 2024. HMDA, 2025 - The typical loan in St. Clair County, IL was about $420K, with the middle half between $280K and $1M. HMDA, 2025 - 66 of the loans were under $1M, and 9 were $5M or more. HMDA, 2025 - 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, 2025 - The median term was 5 years. HMDA, 2025 - The median loan to value was 73%. HMDA, 2025 - 26% of the loans were refinancings and 72% were purchases. HMDA, 2025 - Banks and savings institutions made 80 of the loans, credit unions 1, and non-banks 6. HMDA, 2025 - The five most active lenders made 55.1% of the loans. HMDA, 2025 - The three most active lenders were FCB Banks with 27, Bank of Belleville with 7, and Bank of O'Fallon with 6. HMDA, 2025 - 14 of the 27 lenders are based in Illinois. The rest are based elsewhere, most often in Missouri, California and Indiana. HMDA, 2025 - The most common property size was 5 to 24 units, with 69 loans. HMDA, 2025 - St. Clair County, IL is part of the St. Louis, MO-IL metro area, which has its own page. OMB metro list, 2025 ## 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](https://ffiec.cfpb.gov/data-browser/) **Changelog** November 12, 2026: 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](https://lender.report/report/) 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.