First National Bank of Waterloo mortgage approval rate & lending review
First National Bank of Waterloo decided 304 mortgage applications and funded 268 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First National Bank of Waterloo reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First National Bank of Waterloo at a glance
Approval is 13.4 points above the 81.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 112 / 120 | 89% | $175K | 100 |
| Refinance | 95% | 71 / 75 | 93% | $85K | 66 |
| Investment property purchase | 100% | 59 / 59 | 98% | $85K | 58 |
First National Bank of Waterloo lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First National Bank of Waterloo lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| St. Clair County, IL | Mortgage lenders | 93% | 90 | 74 |
| St. Clair County, IL | Refinance | 97% | 58 | 53 |
| St. Clair County, IL | Investment property purchase | 100% | 31 | 30 |
The county markets where First National Bank of Waterloo made the most loans. Each link opens that market with every lender ranked.
Questions about First National Bank of Waterloo
What is First National Bank of Waterloo's mortgage approval rate?
First National Bank of Waterloo approved 95.4% of the 304 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.4 points above the 81.9% national rate for the same mix of loan types.
How often do borrowers take the loan First National Bank of Waterloo offers?
Borrowers accepted 92% of the loans First National Bank of Waterloo approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First National Bank of Waterloo make?
The typical home purchase mortgage loan First National Bank of Waterloo made was $175K; across all loan types its typical loan ran from $85K to $175K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First National Bank of Waterloo lend?
First National Bank of Waterloo decided applications in 5 of the states Fat Boy Data covers, most of them in Illinois, Missouri and Florida.
Can I apply to First National Bank of Waterloo directly?
Yes. First National Bank of Waterloo is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First National Bank of Waterloo's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First National Bank of Waterloo treats applications, then get a rate quote from the lender.