Buyers, not refinancers
Purchases made up 81.6% of its loans in 2025. Its typical loan was $305,000, higher than about nine in ten similar lenders (state non-member banks making between half and twice as many loans). Theirs was $175,000.
Applications / Mortgage Analytics / Lenders / Wisconsin / BLC Community Bank
BLC Community Bank
Little Chute, WI · State non-member bank · FDIC · $471 million assets · 114 loans in 2025
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114
loans originated, 2025
122
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BLC Community Bank finances home purchases in Appleton, WI, where it ranks 18 of 257 lenders.
Losing ground at home, gaining nearby
Its share in Appleton slipped to 1.3% from 1.5%, and in Oshkosh-Neenah to 0.4% from 0.6%. In Fond du Lac it rose to 0.5% from 0.2%. With its total volume flat, the shifts may reflect where its buyers bought homes this year. In 2025 it also made its first loans in two Florida metros, with small shares.
Flat after a boom
It made 114 loans, against 112 in 2024, while similar lenders grew by 9%. Its count was 585 in 2020 and has stayed between 102 and 114 since 2023.
Fewer borrowers of modest means
Low- and moderate-income (LMI) borrowers took 15.2% of its loans, down from 27.1% in 2024 and below the 27.9% at similar lenders. Its larger typical loan and its focus on purchases are possible reasons, and the share has swung widely from year to year. In LMI neighborhoods it looks like its peers: 19.3% of its loans went there, against 18.1%.
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
114 loans in 2025, against a peak of 585 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. BLC Community Bank took 122 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
81.6% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 81.6% · Refinance 13.2% · Other 4.4% · Home improvement 0.9%
Conventional 100.0% · of 114 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
2 states, 8 metros, 18 counties
| State | Loans | Share |
|---|---|---|
| Wisconsin | 112 | 98.2% |
| Florida | 2 | 1.8% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Appleton | 64 |
| Green Bay | 16 |
| Oshkosh-Neenah | 14 |
| Fond du Lac | 4 |
| Milwaukee-Waukesha | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Sheboygan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WVVCPSUJMG9419 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 578741 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311608 | 1990–2017 |
Established 6 December 1906. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: BLC Community Bank's data.
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