First National Bank of Waterloo
First National Bank of Waterloo received 225 applications in 2025 and made 202 mortgages, in 18 counties across 4 states. The median rate its borrowers got was 6.750% on a median loan of $175,000. Of 225 decisions, 6 were denials — 2.7%, most often for credit history.
| Legal Entity Identifier | 5493002GOGIUXB84JB89 |
|---|---|
| Applications received | 225 |
| Mortgages made | 202 |
| Denied | 6 |
| Approved, not taken up | 17 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.031 points |
| FDIC-insured bank | Yes: First National Bank of Waterloo, 16 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 126 | 6.750% | $195,000 | 1.4% |
| Refinancing | 56 | 6.750% | $140,000 | 6.2% |
| Cash-out refinancing | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 14 | 6.975% | $105,000 | 0.0% |
Where First National Bank of Waterloo lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Monroe County, IL | 73 | 6.750% | 2.4% |
| St. Clair County, IL | 62 | 6.750% | 4.4% |
| Madison County, IL | 14 | 6.750% | 0.0% |
| Randolph County, IL | 11 | 6.500% | 0.0% |
| Effingham County, IL | 9 | Under 10 loans | 0.0% |
| St. Louis County, MO | 8 | Under 10 loans | 0.0% |
| St. Louis city, MO | 7 | Under 10 loans | 0.0% |
| Washington County, IL | 4 | Under 10 loans | 16.7% |
| Jefferson County, MO | 4 | Under 10 loans | 0.0% |
| Sangamon County, IL | 2 | Under 10 loans | 0.0% |
| St. Charles County, MO | 2 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Pasco County, FL | 1 | Under 10 loans | 0.0% |
| Johnson County, IL | 1 | Under 10 loans | 0.0% |
| Perry County, IL | 1 | Under 10 loans | 0.0% |
| Pope County, IL | 1 | Under 10 loans | 0.0% |
| Sevier County, TN | 1 | Under 10 loans | 0.0% |
| Shelby County, IL | 0 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.