Applications / Mortgage Analytics / Lenders / Wisconsin / First National Bank and Trust
Beloit, WI · National bank · OCC · $1.6 billion assets · 324 loans in 2025
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324
loans originated, 2025
420
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank and Trust, a national bank in Beloit, Wisconsin, lends more to borrowers with low and moderate incomes than about nine in ten similar lenders, though its loans fell again in 2025.
Borrowers with low and moderate incomes (LMI) took 38.7% of its loans, against 26.0% at similar lenders (national banks making between half and twice as many loans). LMI neighborhoods took 22.5%, against 15.5%, more than at about four in five of its peers. Its typical loan, $155,000, was smaller than their $200,000.
Its loans fell 16% to 324, while similar lenders grew by 5% and the whole market by 10%; its change was among the lowest tenth of its peers. Its count has fallen every year from 1,372 in 2020. Refinancing, which has since slowed, may have lifted the totals of 2020 and 2021. The latest fall could reflect fewer applications in its home markets or a choice to lend less.
Home improvement took 14.8% of its loans and other purposes 11.1%, beside 45.4% for purchases and 28.7% for refinances. It turned down 4.7% of applications for home-purchase loans, against 6.2% at its peers.
In Janesville-Beloit, WI, it ranked 10 of 264 lenders. Its share fell 1.2 points to 2.1%; Johnson Bank led. Its own smaller number of loans is one possible reason. In Rockford, IL, its share edged up to 1.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First National Bank and Trust took 420 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.4% · Refinance 28.7% · Home improvement 14.8% · Other 11.1%
Conventional 99.7% · USDA (RHS or FSA) 0.3% · of 324 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 | 240 | 74.1% |
| Illinois | 80 | 24.7% |
| Florida | 2 | 0.6% |
| Arizona | 1 | 0.3% |
| Texas | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Janesville-Beloit | 121 |
| Rockford | 65 |
| Madison | 30 |
| Chicago-Naperville-Schaumburg | 3 |
| Milwaukee-Waukesha | 2 |
| Racine-Mount Pleasant | 2 |
| Amarillo | 1 |
| Cape Coral-Fort Myers | 1 |
| Davenport-Moline-Rock Island | 1 |
| Eau Claire | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001SSNVCONGBH947 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 207845 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 12725 | 1990–2017 |
Established 1 July 1882. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First National Bank and Trust's data.
First National Bank and Trust's data
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First National Bank and Trust 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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