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State markets/Illinois/St. Clair County

COUNTY MORTGAGE MARKET · FIPS 17163

St. Clair County, Illinois

Who lends in St. Clair County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$1.21B

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

5,770

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

18.5%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

334

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 334 lenders that originated in St. Clair County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

308

unconcentrated

Top-5 lender share

32.4%

of originations

Purchase

65.0%

3,134 loans

Refinance

35.0%

1,689 loans

Origination trend

Annual mortgage origination volume and loan count in St. Clair County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in St. Clair County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its St. Clair County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR ST. CLAIR COUNTY →

TOP TEN LENDERS IN ST. CLAIR COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

314$99.0M$99.0M originated in St. Clair County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
437$92.6M$92.6M originated in St. Clair County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
313$82.6M$82.6M originated in St. Clair County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
371$75.1M$75.1M originated in St. Clair County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
243$43.8M$43.8M originated in St. Clair County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
270$39.9M$39.9M originated in St. Clair County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
151$35.7M$35.7M originated in St. Clair County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
195$31.3M$31.3M originated in St. Clair County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
293$30.2M$30.2M originated in St. Clair County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
112$29.8M$29.8M originated in St. Clair County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in St. Clair County

All 34 ZIP Code Tabulation Areas that touch St. Clair County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
34 OF 34 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
77 of the 12 St. Clair County tracts this ZIP area touches sit mostly inside it.37,65531.2%9,620——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 10 St. Clair County tracts this ZIP area touches sit mostly inside it.36,14240.6%9,422——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 12 St. Clair County tracts this ZIP area touches sit mostly inside it.29,17741.4%7,906——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 St. Clair County tracts this ZIP area touches sit mostly inside it.19,29937.0%4,941——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 11 St. Clair County tracts this ZIP area touches sit mostly inside it.16,33536.0%5,848——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 St. Clair County tracts this ZIP area touches sit mostly inside it.12,92976.9%2,560——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 St. Clair County tracts this ZIP area touches sit mostly inside it.12,52947.3%3,022——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 St. Clair County tracts this ZIP area touches sit mostly inside it.9,50126.5%2,688——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 St. Clair County tracts this ZIP area touches sit mostly inside it.8,92719.6%2,158——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 St. Clair County tracts this ZIP area touches sit mostly inside it.8,2917.4%2,446——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 St. Clair County tracts this ZIP area touches sit mostly inside it.8,02021.5%2,103——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 St. Clair County tracts this ZIP area touches sit mostly inside it.7,24198.9%1,929——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 St. Clair County tracts this ZIP area touches sit mostly inside it.6,7566.9%2,226——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
44 of the 8 St. Clair County tracts this ZIP area touches sit mostly inside it.6,46398.3%893——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 St. Clair County tracts this ZIP area touches sit mostly inside it.6,03292.3%1,082——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 St. Clair County tract this ZIP area touches sit mostly inside it.5,5117.2%1,692——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 St. Clair County tracts this ZIP area touches sit mostly inside it.5,1846.8%1,786——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 7 St. Clair County tracts this ZIP area touches sit mostly inside it.4,73598.8%2,187——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 St. Clair County tracts this ZIP area touches sit mostly inside it.4,65315.3%1,303——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
44 of the 5 St. Clair County tracts this ZIP area touches sit mostly inside it.4,51397.5%1,647——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 5 St. Clair County tracts this ZIP area touches sit mostly inside it.3,70259.4%761——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 St. Clair County tracts this ZIP area touches sit mostly inside it.2,5258.8%694——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 St. Clair County tracts this ZIP area touches sit mostly inside it.1,28033.6%5——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of St. Clair County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of St. Clair County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of St. Clair County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of St. Clair County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of St. Clair County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of St. Clair County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of St. Clair County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of St. Clair County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of St. Clair County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of St. Clair County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of St. Clair County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

68 of St. Clair County’s 68 census tracts are grouped into the ZIP areas above, with none left over. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in St. Clair County

All 68 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

68 OF 68 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Low37.8%1,04697.5%OPEN →
Low48.2%1,46499.5%OPEN →
Low18.9%2,48599.3%OPEN →
Low43.4%1,21699.7%OPEN →
Moderate56.0%2,62699.2%OPEN →
Moderate64.2%2,56898.6%OPEN →
Moderate59.2%2,16799.1%OPEN →
Middle85.5%1,58065.6%OPEN →
Middle104.8%2,61342.6%OPEN →
Moderate69.3%4,98044.1%OPEN →
Moderate62.2%4,32362.8%OPEN →
Middle112.1%2,53536.7%OPEN →
Moderate52.9%3,60538.9%OPEN →
Middle93.4%2,33255.4%OPEN →
Moderate65.8%3,18543.5%OPEN →
Moderate75.4%3,04536.2%OPEN →
Middle115.5%2,48136.2%OPEN →
Middle90.7%3,26928.4%OPEN →
Moderate52.4%2,24681.4%OPEN →
Low30.5%1,17195.5%OPEN →
Low46.9%5,20574.5%OPEN →
Low26.3%83297.0%OPEN →
Moderate52.5%3,70259.4%OPEN →
Moderate57.2%1,00497.9%OPEN →
Low37.7%4,80977.0%OPEN →
Low31.2%2,91580.8%OPEN →
Low33.2%97599.0%OPEN →
Low12.9%2,15598.6%OPEN →
Low49.1%1,63497.4%OPEN →
Middle103.5%2,5258.8%OPEN →
Moderate58.9%4,65315.3%OPEN →
Middle91.7%5,46123.2%OPEN →
Upper120.5%6,7566.9%OPEN →
Upper123.1%4,14636.8%OPEN →
Moderate70.1%3,58837.6%OPEN →
Middle87.5%6,75937.5%OPEN →
Middle97.5%7,55533.5%OPEN →
Upper180.6%6,39931.0%OPEN →
Middle106.5%6,10955.3%OPEN →
Middle93.2%5,10951.7%OPEN →
Middle104.2%6,15344.9%OPEN →
Upper173.0%7,97129.3%OPEN →
Moderate72.0%3,41931.1%OPEN →
Upper121.5%6,08223.9%OPEN →
Middle90.3%5,68351.4%OPEN →
Middle88.3%5,96942.3%OPEN →
Middle107.3%3,07940.2%OPEN →
Middle83.6%3,76747.0%OPEN →
Upper145.3%1,28033.6%OPEN →
Upper154.6%3,85316.9%OPEN →
Upper125.2%2,9967.5%OPEN →
Middle102.7%5,2957.3%OPEN →
Upper132.6%5,44428.6%OPEN →
Middle90.4%6,42940.1%OPEN →
Middle108.5%5,1846.8%OPEN →
Middle85.2%5,5117.2%OPEN →
Upper139.5%3,52927.2%OPEN →
Middle106.2%4,20325.6%OPEN →
Upper172.5%4,36223.2%OPEN →
Middle91.8%6,32138.2%OPEN →
Upper152.3%5,30026.8%OPEN →
Middle109.7%4,51920.1%OPEN →
Middle95.6%4,40819.0%OPEN →
Middle86.0%3,88322.7%OPEN →
Middle97.1%4,13720.4%OPEN →
Low34.3%2,32997.9%OPEN →
Low41.2%1,30197.6%OPEN →
Low23.9%1,76599.5%OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

253,694

Median household income

$73,854

Median home value

$180,300

Median gross rent

$1,090

per month

Owner-occupied

68.4%

of occupied units

Housing units

115,630

12.8% vacant

Poverty rate

13.6%

Unemployment

6.0%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively High

score 94.9

Social vulnerability

Relatively Low

Community resilience

Relatively High

ELEVATED PERILS

Inland flooding Relatively High · Tornado Relatively High · Hail Relatively High · Heat wave Relatively High · Winter weather Relatively High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

80

Declarations recorded

19

Incident types on record: Biological, Flood, Hurricane, Severe Ice Storm, Severe Storm, Tornado.

Everything we hold on St. Clair County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to St. Clair County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for St. Clair County →Every reported application and origination in FIPS 17163, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in St. Clair County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

1,141

—

Purchase share

47.8%

545 loans

IRRRL refinances

461

Cash-out refinances

135

20261,141—545461135
20251,261—779323159
20241,039—772125142
2023886—7447135
2022——1,025274286
20212,961—1,0661,657238
20202,247—9361,118193
20191,244—872182190
20181,177—834115228
20171,437—831362244
20161,366—758425183
20151,279—685434160

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in St. Clair County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

St. Clair County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

285

−17.6% vs 2024

Multifamily · 2025

178

−54.8% vs 2024

Total authorized · 2025

463

−37.4% vs 2024

Permit valuation · 2025

$133.9M

authorized construction value

Units authorized by year

St. Clair County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
06251.3K1.9K2.5K1990199219941996199820002002200420062008201020122014201620182020202220242025463 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for St. Clair County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

outflow2223Madison County, IL1,1462,126$59.2M
outflow2223Other flows - South, DS1,1362,304$88.5M
inflow2223Other flows - South, DS1,0682,174$69.1M
inflow2223Madison County, IL9831,764$44.6M
outflow2223St. Louis County, MO6261,093$34.6M
outflow2223Other flows - Midwest, DS6191,204$42.7M
inflow2223Other flows - Midwest, DS5661,049$32.5M
inflow2223St. Louis County, MO560926$28.3M
inflow2223St. Louis city, MO411692$24.2M
inflow2223Other flows - West, DS405832$27.8M
outflow2223St. Louis city, MO387579$17.3M
outflow2223Other flows - West, DS286578$19.2M
outflow2223Monroe County, IL218359$14.4M
inflow2223Foreign - Other flows, FR199501$16.8M
inflow2223Monroe County, IL168273$9.7M
inflow2223Clinton County, IL146242$7.7M
outflow2223Clinton County, IL145257$8.2M
outflow2223Other flows - Northeast, DS131258$8.6M
outflow2223Jefferson County, MO126215$7.5M
inflow2223Other flows - Northeast, DS121194$7.4M
outflow2223St. Charles County, MO121208$8.4M
inflow2223St. Charles County, MO102179$6.3M
outflow2223Randolph County, IL94171$4.8M
inflow2223Cook County, IL87136$7.9M
outflow2223Foreign - APO/FPO ZIPs, FR85208$6.4M
inflow2223Jefferson County, MO83142$5.0M
outflow2223Cook County, IL82113$4.4M
inflow2223Randolph County, IL80127$3.7M
inflow2223Washington County, IL5688$3.2M
inflow2223Sangamon County, IL54101$4.8M
outflow2223Maricopa County, AZ52106$2.5M
inflow2223Maricopa County, AZ5295$2.8M
outflow2223Bexar County, TX51118$3.6M
outflow2223Harris County, TX5096$3.4M
inflow2223Bexar County, TX50101$3.6M
outflow2223El Paso County, CO44101$4.0M
outflow2223Washington County, IL4480$3.1M
inflow2223Jackson County, IL4070$2.6M
inflow2223Williamson County, IL3963$2.3M
inflow2223Macoupin County, IL3466$1.4M
inflow2223Harris County, TX3461$2.2M
outflow2223Clark County, NV3465$1.8M
inflow2223Marion County, IL3460$2.0M
inflow2223Clark County, NV3372$1.9M
outflow2223Okaloosa County, FL3378$2.8M
outflow2223Sangamon County, IL3252$1.4M
inflow2223Honolulu County, HI3180$2.4M
outflow2223Honolulu County, HI3070$2.8M
outflow2223Boone County, MO2936$691K
inflow2223Los Angeles County, CA2853$1.9M
inflow2223Okaloosa County, FL2856$2.0M
outflow2223Foreign - Other flows, FR2852$1.6M
outflow2223Dallas County, TX2842$1.4M
outflow2223Tarrant County, TX2740$1.4M
outflow2223Hillsborough County, FL2649$1.8M
inflow2223El Paso County, CO2656$1.9M
outflow2223Jackson County, IL2642$1.6M
inflow2223Shelby County, TN2449$1.0M
outflow2223Jefferson County, IL2449$1.6M
outflow2223Los Angeles County, CA2435$1.3M
outflow2223Pima County, AZ2348$1.5M
outflow2223Macoupin County, IL2334$1.2M
outflow2223Champaign County, IL2330$1.1M
outflow2223King County, WA2232$2.7M
outflow2223Pinellas County, FL2236$1.6M
inflow2223Hillsborough County, FL2253$1.4M
outflow2223Duval County, FL2235$1.5M
inflow2223San Diego County, CA2135$1.3M
inflow2223Burlington County, NJ2058$2.0M
inflow2223Greene County, MO2035$697K
inflow2223Perry County, IL2026$651K
outflow2223Marion County, IL2044$800K
outflow2223Franklin County, MO2042$1.2M
inflow2122Foreign - Other flows, FR———
outflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS1,1492,468$101.7M
outflow2122Madison County, IL1,1252,065$51.0M
inflow2122Other flows - South, DS1,0332,179$66.1M
inflow2122Madison County, IL1,0171,856$44.4M
outflow2122St. Louis County, MO6291,022$32.3M
outflow2122Other flows - Midwest, DS5881,208$38.8M
inflow2122Other flows - Midwest, DS5751,148$33.1M
inflow2122St. Louis County, MO5671,013$34.6M
inflow2122St. Louis city, MO422709$21.3M
inflow2122Other flows - West, DS413861$28.5M
outflow2122St. Louis city, MO399604$15.4M
outflow2122Other flows - West, DS378759$27.4M
outflow2122Monroe County, IL239469$18.6M
inflow2122Foreign - APO/FPO ZIPs, FR176525$15.0M
inflow2122Monroe County, IL156258$10.8M
outflow2122Clinton County, IL152291$9.6M
outflow2122St. Charles County, MO140232$8.8M
inflow2122Clinton County, IL137219$6.4M
inflow2122Other flows - Northeast, DS134285$9.0M
outflow2122Jefferson County, MO129226$10.3M
outflow2122Other flows - Northeast, DS106202$7.7M
outflow2122Foreign - APO/FPO ZIPs, FR100282$7.5M
inflow2122Randolph County, IL96137$3.4M
inflow2122St. Charles County, MO91171$4.9M
outflow2122Bexar County, TX88222$6.7M
inflow2122Jefferson County, MO79151$4.4M
outflow2122Randolph County, IL72125$3.4M
outflow2122Cook County, IL6992$7.4M
inflow2122Cook County, IL64102$4.4M
outflow2122Maricopa County, AZ56100$5.0M
inflow2122Bexar County, TX56147$4.5M
inflow2122Clark County, NV53116$2.9M
outflow2122El Paso County, CO52120$4.1M
inflow2122Maricopa County, AZ4890$3.1M
outflow2122Clark County, NV48103$2.9M
outflow2122Harris County, TX4594$2.6M
inflow2122Sangamon County, IL4581$2.7M
inflow2122Jackson County, IL4369$2.4M
outflow2122Hillsborough County, FL40103$4.6M
inflow2122Washington County, IL3970$2.4M
outflow2122Sangamon County, IL3570$2.3M
inflow2122Marion County, IL3565$1.2M
outflow2122Okaloosa County, FL3463$2.5M
inflow2122El Paso County, CO3498$2.8M
inflow2122Honolulu County, HI34102$3.2M
outflow2122Macoupin County, IL3366$1.7M
inflow2122Macoupin County, IL3247$2.0M
outflow2122Washington County, IL3266$1.8M
outflow2122Honolulu County, HI3172$2.4M
inflow2122Los Angeles County, CA3046$1.4M
inflow2122Jefferson County, IL2847$1.4M
inflow2122Williamson County, IL2849$2.4M
outflow2122Dallas County, TX2741$1.1M
outflow2122Jefferson County, IL2537$896K
inflow2122Tarrant County, TX2547$1.5M
inflow2122Hillsborough County, FL2552$1.5M
outflow2122Jackson County, IL2447$860K
outflow2122San Diego County, CA2445$1.5M
inflow2122Harris County, TX2453$1.1M
outflow2122Jackson County, MO2332$849K
outflow2122Jefferson County, KY2344$1.8M
inflow2122Harrison County, MS2357$1.2M
outflow2122Perry County, IL2338$1.1M
inflow2122Bond County, IL2229$882K
inflow2122Boone County, MO2236$671K
inflow2122Cumberland County, NC2252$1.4M
outflow2122Davidson County, TN2227$1.3M
outflow2122Marion County, IL2252$1.4M
outflow2122Greene County, MO2239$688K
outflow2122Bond County, IL2234$1.3M
outflow2122Los Angeles County, CA2236$1.2M
outflow2122Brevard County, FL2146$2.2M
outflow2122Burlington County, NJ2182$2.4M
outflow2122Tarrant County, TX2143$1.0M
outflow2122Williamson County, IL2135$1.3M
outflow2122Orange County, FL2042$1.8M
outflow2122Fairfax County, VA2060$2.2M
inflow2122Hennepin County, MN2037$862K
inflow2122Pierce County, WA2054$1.6M
outflow2122Pasco County, FL2039$1.5M
outflow2122Boone County, MO2027$477K
inflow2021Foreign - Other flows, FR———
outflow2021Foreign - Other flows, FR———
outflow2021Other flows - South, DS1,2872,761$124.2M
outflow2021Madison County, IL1,1872,230$54.7M
inflow2021Madison County, IL1,0541,879$48.0M
inflow2021Other flows - South, DS1,0422,275$60.1M
outflow2021St. Louis County, MO5941,000$32.9M
inflow2021St. Louis County, MO5741,051$27.5M
inflow2021Other flows - Midwest, DS5561,074$29.2M
outflow2021Other flows - Midwest, DS5241,080$31.1M
outflow2021St. Louis city, MO469709$18.0M
inflow2021St. Louis city, MO406666$17.9M
inflow2021Other flows - West, DS356804$24.3M
outflow2021Other flows - West, DS331746$26.2M
outflow2021Monroe County, IL228439$15.6M
inflow2021Monroe County, IL193340$10.9M
inflow2021Foreign - APO/FPO ZIPs, FR175454$12.6M
outflow2021Jefferson County, MO152270$8.7M
outflow2021St. Charles County, MO147253$9.3M
inflow2021Clinton County, IL145258$7.9M
outflow2021Clinton County, IL136250$9.6M
outflow2021Randolph County, IL129223$5.1M
outflow2021Other flows - Northeast, DS117247$9.1M
outflow2021Foreign - APO/FPO ZIPs, FR102260$7.2M
inflow2021Other flows - Northeast, DS96163$7.1M
inflow2021St. Charles County, MO88152$5.6M
inflow2021Cook County, IL85135$4.7M
inflow2021Randolph County, IL79141$2.5M
outflow2021Cook County, IL77107$2.7M
inflow2021Jefferson County, MO74123$3.5M
outflow2021Bexar County, TX65163$4.9M
outflow2021Washington County, IL56117$3.8M
inflow2021Bexar County, TX56149$4.4M
outflow2021Hillsborough County, FL51101$3.2M
outflow2021El Paso County, CO50132$4.2M
outflow2021Maricopa County, AZ48100$2.8M
inflow2021Maricopa County, AZ4578$1.8M
inflow2021Honolulu County, HI45118$3.8M
inflow2021Sangamon County, IL4371$2.1M
outflow2021Clark County, NV4085$1.8M
outflow2021Sangamon County, IL3957$1.6M
outflow2021Bond County, IL3668$1.3M
inflow2021Williamson County, IL3556$1.4M
inflow2021Washington County, IL3570$1.4M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for St. Clair County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals1,762.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals474.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals2,236.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals190,000.0
2023BothNo CharacteristicAll Appraisals186,000.0
2023PurchaseNo CharacteristicAll Appraisals185,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals185,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals180,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals863.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.6
2022RefinanceNo CharacteristicAll Appraisals190,000.0
2022BothNo CharacteristicAll Appraisals3,047.0
2022PurchaseNo CharacteristicAll Appraisals2,184.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals204,200.0
2021BothNo CharacteristicAll Appraisals4,643.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals2,671.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals1,972.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals180,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals168,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals4,801.0
2020PurchaseNo CharacteristicAll Appraisals2,389.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals190,000.0
2020RefinanceNo CharacteristicAll Appraisals224,500.0
2020RefinanceNo CharacteristicAll Appraisals2,412.0
2020PurchaseNo CharacteristicAll Appraisals160,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals175,000.0
2019PurchaseNo CharacteristicAll Appraisals1,791.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals207,500.0
2019BothNo CharacteristicAll Appraisals2,992.0
2019RefinanceNo CharacteristicAll Appraisals1,201.0
2019PurchaseNo CharacteristicAll Appraisals160,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals168,000.0
2018BothNo CharacteristicAll Appraisals2,515.0
2018PurchaseNo CharacteristicAll Appraisals1,790.0
2018RefinanceNo CharacteristicAll Appraisals725.0
2018BothNo CharacteristicAll Appraisals155,000.0
2018PurchaseNo CharacteristicAll Appraisals152,300.0
2018PurchaseNo CharacteristicAll Appraisals0.8
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals175,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals2,619.0
2017PurchaseNo CharacteristicAll Appraisals1,593.0
2017PurchaseNo CharacteristicAll Appraisals151,000.0
2017RefinanceNo CharacteristicAll Appraisals1,026.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals161,000.0
2016PurchaseNo CharacteristicAll Appraisals1,436.0
2016RefinanceNo CharacteristicAll Appraisals202,500.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals154,500.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals178,300.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals2,745.0
2016RefinanceNo CharacteristicAll Appraisals1,309.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals142,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals185,000.0
2015BothNo CharacteristicAll Appraisals2,393.0
2015RefinanceNo CharacteristicAll Appraisals1,125.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals1,268.0
2015BothNo CharacteristicAll Appraisals160,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals156,300.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for St. Clair County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-05118,164113,0575,1074.3%
2026-04118,613113,6404,9734.2%
2026-03120,063114,0366,0275.0%
2026-02119,004112,8866,1185.1%
2026-01118,691112,6326,0595.1%
2025-12117,902111,9855,9175.0%
2025-11118,978112,8566,1225.1%
2025-09119,685114,1385,5474.6%
2025-08119,888114,0045,8844.9%
2025-07121,928116,0815,8474.8%
2025-06121,482116,2815,2014.3%
2025-05119,821115,1804,6413.9%
2025-04121,203116,8314,3723.6%
2025-03120,078115,2434,8354.0%
2025-02119,544114,4995,0454.2%
2025-01119,580114,1935,3874.5%
2024-12121,351116,6714,6803.9%
2024-11121,316116,3654,9514.1%
2024-10122,228117,1275,1014.2%
2024-09122,093116,7105,3834.4%
2024-08122,344116,2236,1215.0%
2024-07124,919118,2096,7105.4%
2024-06124,120117,6896,4315.2%
2024-05122,548116,8755,6734.6%
2024-04121,700116,3435,3574.4%
2024-03121,979116,0595,9204.9%
2024-02121,755115,6066,1495.1%
2024-01121,544115,0686,4765.3%
2023-12122,546116,8165,7304.7%
2023-11123,524118,0595,4654.4%
2023-10123,370117,4925,8784.8%
2023-09123,524117,2796,2455.1%
2023-08123,809117,0216,7885.5%
2023-07124,244117,6856,5595.3%
2023-06123,184117,0686,1165.0%
2023-05121,325115,9995,3264.4%
2023-04121,163116,2624,9014.0%
2023-03120,614115,4205,1944.3%
2023-02120,059114,5455,5144.6%
2023-01119,403113,7255,6784.8%
2022-12120,198115,4624,7363.9%
2022-11120,254115,1835,0714.2%
2022-10120,311115,1585,1534.3%
2022-09120,428115,3545,0744.2%
2022-08121,460115,6775,7834.8%
2022-07123,367117,6425,7254.6%
2022-06122,697117,1035,5944.6%
2022-05120,804115,5935,2114.3%
2022-04120,682115,3295,3534.4%
2022-03121,552116,0005,5524.6%
2022-02121,067115,1285,9394.9%
2022-01121,190114,5626,6285.5%
2021-12121,769116,1715,5984.6%
2021-11123,184117,3545,8304.7%
2021-10122,042115,7376,3055.2%
2021-09122,448115,6206,8285.6%
2021-08122,839114,6998,1406.6%
2021-07124,675116,1598,5166.8%
2021-06124,541115,8578,6847.0%
2021-05122,359114,9227,4376.1%
2021-04122,906114,9887,9186.4%
2021-03122,929114,5298,4006.8%
2021-02122,923114,2758,6487.0%
2021-01123,158113,9379,2217.5%
2020-12124,270115,3368,9347.2%
2020-11124,973116,1328,8417.1%
2020-10125,470116,1469,3247.4%
2020-09124,892113,09511,7979.4%
2020-08125,519113,15912,3609.8%
2020-07125,431110,05815,37312.3%
2020-06125,389108,85416,53513.2%
2020-05120,323102,89117,43214.5%
2020-04114,94896,06518,88316.4%
2020-03116,727112,1334,5943.9%
2020-02123,471119,2854,1863.4%
2020-01123,843119,1274,7163.8%
2019-12125,255120,8564,3993.5%
2019-11126,454122,1074,3473.4%
2019-10126,970122,2094,7613.7%
2019-09126,973121,8725,1014.0%
2019-08126,344120,8275,5174.4%
2019-07128,037122,1385,8994.6%
2019-06126,792121,3565,4364.3%
2019-05125,728120,9664,7623.8%
2019-04125,860120,5375,3234.2%
2019-03125,781119,3326,4495.1%
2019-02126,382119,6596,7235.3%
2019-01125,885118,2257,6606.1%
2018-12126,651120,0176,6345.2%
2018-11127,189121,1146,0754.8%
2018-10127,760121,3746,3865.0%
2018-09127,118120,8656,2534.9%
2018-08126,150119,3276,8235.4%
2018-07128,149120,9567,1935.6%
2018-06128,222120,9397,2835.7%
2018-05126,719120,7036,0164.7%
2018-04126,377120,6255,7524.6%
2018-03126,878120,3526,5265.1%
2018-02126,122119,6626,4605.1%
2018-01125,788119,0776,7115.3%

BEA Personal Income

2024$15.50B251,149$62K
2023$14.94B252,094$59K
2022$14.13B252,947$56K
2021$13.95B255,210$55K
2020$12.88B257,070$50K
2019$11.94B258,737$46K
2018$11.58B260,604$44K
2017$11.18B261,978$43K
2016$10.85B262,703$41K
2015$10.89B264,355$41K
2014$10.40B265,532$39K
2013$10.15B266,530$38K
2012$10.14B268,468$38K
2011$10.14B269,941$38K
2010$9.85B270,337$36K
2009$9.52B268,489$35K
2008$9.50B266,518$36K
2007$8.92B264,764$34K
2006$8.61B263,445$33K
2005$8.12B261,255$31K
2004$7.83B260,214$30K
2003$7.52B258,448$29K
2002$7.25B257,952$28K
2001$6.93B256,540$27K
2000$6.60B256,462$26K
1999$6.29B256,201$25K
1998$6.15B258,286$24K
1997$5.91B260,631$23K
1996$5.65B261,907$22K
1995$5.39B262,499$21K
1994$5.13B263,606$19K
1993$4.92B264,082$19K
1992$4.81B261,689$18K
1991——$17K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in St. Clair County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-06-25$0——No
2026-04-14$4K$4K$0No
2025-12-05$8K$8K$0No
2025-10-18$13K$13K$0No
2025-07-19$0——Yes
2025-07-17$33K$30K$3KYes
2025-05-12$0——No
2025-05-03$0——No
2025-04-11$66K$61K$5KNo
2025-04-04$0$0$0Yes
2025-04-04$3K$3K$0No
2025-04-04$5K$5K$0Yes
2025-04-04$7K$6K$638.63No
2025-03-23$11K$11K$0No
2025-03-14$11K$11K$50No
2025-02-05$0$0$0No
2024-11-15$0$0$0No
2024-11-08$11K$11K$0Yes
2024-11-07$9K$9K$0Yes
2024-11-05$7K$7K$0No
2024-11-05$8K$8K$0Yes
2024-11-05$4K$4K$0No
2024-11-05$0——Yes
2024-11-04$12K$12K$0No
2024-11-04$0$0$0No
2024-11-03$4K$4K$0No
2024-10-14$6K$6K$0No
2024-10-10$46K$45K$2KNo
2024-09-24$0——No
2024-07-25$0——Yes
2024-07-25$0$0$0No
2024-07-23$0——Yes
2024-07-23$0——Yes
2024-07-19$0$0$0No
2024-07-17$0$0$0No
2024-07-17$8K$7K$912.87No
2024-07-17$0$0$0No
2024-07-17$0$0$0No
2024-07-17$12K$12K$245.89No
2024-07-17$6K$6K$0Yes
2024-07-17$16K$10K$6KYes
2024-07-17$6K$6K$0No
2024-07-17$29K$24K$5KNo
2024-07-16$0$0$0No
2024-07-16$4K$4K$0No
2024-07-16$897.99$897.99$0No
2024-07-16$3K$3K$0No
2024-07-16$8K$8K$0Yes
2024-07-16$0$0$0No
2024-07-16$25K$22K$3KYes
2024-07-16$2K$2K$0Yes
2024-07-16$4K$2K$2KNo
2024-07-16$3K$3K$0Yes
2024-07-16$12K$12K$0No
2024-07-16$6K$6K$0No
2024-07-16$7K$7K$0Yes
2024-07-16$49K$44K$5KYes
2024-07-16$12K$10K$2KNo
2024-07-16$2K$2K$0Yes
2024-07-16$3K$3K$0No
2024-07-16$0$0$0Yes
2024-07-16$13K$12K$759.5No
2024-07-16$2K$2K$0Yes
2024-07-16$2K$2K$0No
2024-07-16$0$0$0No
2024-07-16$64K$57K$7KNo
2024-07-16$3K$3K$0Yes
2024-07-16$42K$29K$13KYes
2024-07-16$3K$3K$0No
2024-07-16$0$0$0Yes
2024-07-16$8K$8K$0Yes
2024-07-16$11K$11K$0Yes
2024-07-16$39K$13K$26KYes
2024-07-16$4K$4K$0No
2024-07-16$0$0$0Yes
2024-07-16$15K$15K$0Yes
2024-07-16$37K$37K$0Yes
2024-07-16$25K$23K$2KNo
2024-07-16$0$0$0No
2024-07-16$62K$61K$840.38No
2024-07-16$2K$0$2KNo
2024-07-16$12K$10K$2KYes
2024-07-16$13K$13K$0Yes
2024-07-16$52K$52K$0Yes
2024-07-16$85K$85K$0No
2024-07-16$9K$8K$1KYes
2024-07-16$959.73$959.73$0Yes
2024-07-16$13K$13K$234.02Yes
2024-07-16$9K$9K$0Yes
2024-07-16$10K$7K$2KNo
2024-07-16$36K$25K$12KYes
2024-07-16$0$0$0No
2024-07-16$93K$93K$0No
2024-07-16$0$0$0Yes
2024-07-16$12K$12K$0No
2024-07-16$8K$8K$0Yes
2024-07-16$0——Yes
2024-07-15$15K$14K$714.8No
2024-07-15$23K$23K$0Yes
2024-07-15$0$0$0No

ALSO CHECKED

18 more data areas were checked for St. Clair County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the IL state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN ST. CLAIR COUNTY →Opens the loan explorer already filtered to county FIPS 17163.

See the Illinois state market profile for the statewide picture, the Illinois state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.