Applications / Mortgage Analytics / Lenders / Wisconsin / First Community Credit Union of Beloit
Beloit, WI · Credit union · NCUA · $413 million assets · 165 loans in 2025
First Community Credit Union of Beloit's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
165
loans originated, 2025
275
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Community Credit Union of Beloit, a refinance lender in Janesville-Beloit, made 21% fewer loans in 2025 while similar lenders grew.
Refinancing made up 47.3% of its loans, purchases 29.1% and other purposes 22.4%. Every loan was conventional. Its typical loan was $95,000, against $105,000 at similar lenders, credit unions making between half and twice as many loans.
Its loans fell 21% to 165, while similar lenders grew 8% and the whole market 10%. That puts it lower than about nine in ten peers. A lender this reliant on refinancing may see its count rise and fall with refinance demand. It made 335 loans in 2021 and between 165 and 209 a year since. It filed no report for 2020.
In Janesville-Beloit, where it has lent since 1991, it ranked 23 of 264 lenders, with 1.1% of the market, down from 1.6%. In Rockford, IL it ranked 42 of 302, with 0.5%, down from 0.7%. Both falls match its lower count.
Low- and moderate-income (LMI) neighborhoods took 24.4% of its loans, against 17.0% at peers, more than at about four in five of them. LMI borrowers took 29.9%, near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. First Community Credit Union of Beloit took 275 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 47.3% · Purchase 29.1% · Other 22.4% · Home improvement 1.2%
Conventional 100.0% · of 165 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 |
|---|---|---|
| Wisconsin | 90 | 54.5% |
| Illinois | 74 | 44.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Janesville-Beloit | 71 |
| Rockford | 55 |
| Madison | 9 |
| Elgin | 2 |
| Chicago-Naperville-Schaumburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900RO87UFWPI72M63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 914796 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567214 | 1991–2017 |
Established 1 January 1933. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: First Community Credit Union of Beloit's data.
First Community Credit Union of Beloit's data
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First Community Credit Union of Beloit 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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