Applications / Mortgage Analytics / Lenders / Nebraska / Foundation One Bank
Waterloo, NE · State non-member bank · FDIC · $178 million assets · 52 loans in 2025
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52
loans originated, 2025
54
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Foundation One Bank, a small Nebraska lender, grew faster than almost nine in ten similar banks in 2025, after two years of decline.
It made 52 loans, up 44% from 36. Similar lenders (state non-member banks making between half and twice as many loans) grew 5%, and the whole market 10%. That followed a slide from 63 loans in 2022 to 44 in 2023 and 36 in 2024. It filed no report for 2020 or 2021; those are gaps, not years without lending.
Home purchases and refinancings each took 48.1% of its loans, all of them conventional. Its typical loan, $180,000, sat near the middle of its peers. With so few loans, its share of jumbo loans (larger than the conforming limit) is too small to read much into.
Low- and moderate-income (LMI) neighborhoods took 26.9% of its loans, against 18.5% at its peers, more than at about two-thirds of them. Majority-minority neighborhoods took 23.1%, up from 8.3% and against 6.3% at its peers. On 52 loans, a handful more or less moves these shares.
In Omaha, its largest market, its share held at 0.2%, ranking it 91 of 417. JPMorgan Chase Bank led there. It has reported in Omaha since 2012.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Foundation One Bank took 54 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.1% · Refinance 48.1% · Home improvement 1.9% · Other 1.9%
Conventional 100.0% · of 52 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 |
|---|---|---|
| Nebraska | 47 | 90.4% |
| Iowa | 2 | 3.8% |
| Colorado | 1 | 1.9% |
| Florida | 1 | 1.9% |
| Missouri | 1 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 45 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Denver-Aurora-Centennial | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PGUFTU637ZN698 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 102557 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318761 | 2012–2017 |
Established 1 January 1905. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Foundation One Bank's data.
Foundation One Bank's data
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Foundation One Bank 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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