Applications / Mortgage Analytics / Lenders / Illinois / First National Bank of Waterloo
Waterloo, IL · National bank · OCC · $930 million assets · 202 loans in 2025
First National Bank of Waterloo's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
202
loans originated, 2025
225
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank of Waterloo, an Illinois national bank that makes only conventional loans, grew 12% in 2025, faster than most similar lenders.
Its loans rose 12% to 202, faster than at about two-thirds of similar lenders (national banks making between half and twice as many loans), where the typical rise was 4%. The whole market grew 10%. It remains far below the 973 loans it made in 2020. Filings of banks it merged with in 2020 and 2023 count in its market shares.
In St. Louis, where it has lent since at least 1990, it ranks 68 of 637 lenders. Its share rose to 0.3% from 0.2%. Guild Mortgage Company leads.
Low- and moderate-income (LMI) borrowers took 32.7% of its loans, more than at about three in four similar lenders. Yet only 5.9% were in LMI neighborhoods, against 15.8%, among the lowest tenth. One possibility is that the markets it serves hold few such neighborhoods.
It turned down 1.9% of home-purchase applications, against 6.9% at similar lenders, lower than at nearly nine in ten of them. None of its loans was higher-priced (a rate well above the average for similar loans), and its typical rate, 6.75%, was near peers' 6.67%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First National Bank of Waterloo took 225 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.4% · Refinance 30.7% · Home improvement 3.5% · Other 3.5%
Conventional 100.0% · of 202 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 178 | 88.1% |
| Missouri | 21 | 10.4% |
| Florida | 2 | 1.0% |
| Tennessee | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 170 |
| Springfield | 2 |
| North Port-Bradenton-Sarasota | 1 |
| Tampa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002GOGIUXB84JB89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 145545 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 110180 | 1990–2017 |
Established 12 June 1912. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First National Bank of Waterloo's data.
First National Bank of Waterloo's data
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First National Bank of Waterloo and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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