Applications / Mortgage Analytics / Lenders / Missouri / Foundation Credit Union
Springfield, MO · Credit union · NCUA · $71.2 million assets · 30 loans in 2025
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30
loans originated, 2025
30
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Foundation Credit Union, a small lender in Springfield, Missouri, nearly doubled its home loans in 2025, to 30, while similar credit unions made slightly fewer.
Its loans rose from 16 to 30, a gain of 88%. Similar lenders, credit unions making between half and twice as many loans, made 3% fewer, and it grew faster than about nineteen in twenty of them. The rise brings it back toward its earlier size: it made 39 loans in 2018 and 34 in 2022. It filed no report for 2020 or 2021, so those years are gaps in the record, not lean years.
Its typical loan was $220,000, against $95,000 at similar credit unions, larger than at most of them. Its 30 loans therefore added up to $7.8 million, well above the peers' $4.6 million. These were ordinary conventional home loans: refinances made up 53.3% and purchases 46.7%.
Springfield is its largest market, where it has reported since 1991. It ranked 76 of 351 lenders in 2025, and its share of the dollars lent rose to 0.2% from 0.1%. Flat Branch Mortgage leads the market, ahead of The Central Trust Bank. It has also lent in non-metro Missouri since 2001.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Credit Union took 30 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 53.3% · Purchase 46.7%
Conventional 100.0% · of 30 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 |
|---|---|---|
| Missouri | 30 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 27 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JDWM7YJVNPMR47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 341299 | 2004–2022 |
| Respondent ID (the HMDA filer code before 2018) | 561157 | 1990–2017 |
Established 1 January 1933. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Foundation Credit Union's data.
Foundation Credit Union's data
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Foundation Credit Union 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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