A fixture in Janesville-Beloit
Its record in Janesville-Beloit, and in Madison, goes back to 1990. In 2025 it held 1.5% of the Janesville-Beloit market, down from 2.0%. With under 100 loans a year, a handful either way could account for that.
Applications / Mortgage Analytics / Lenders / Wisconsin / First Community Bank
First Community Bank
Milton, WI · State non-member bank · FDIC · $159 million assets · 97 loans in 2025
First Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
97
loans originated, 2025
103
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Community Bank, of Milton, Wisconsin, is an old local lender: it ranks 16th of 264 lenders in Janesville-Beloit, where its record goes back to 1990.
Slower than its peers
Its loans rose 3% in 2025, to 97, against 9% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. It filed no report for 2020 or 2021; those are gaps in the record, not years without lending.
Buyers and mid-sized loans
Home purchases made up 56.7% of its loans, all of them conventional. Its typical loan, $215,000, was larger than at about two in three peers, where it was $175,000.
More borrowers of modest means
Low- and moderate-income (LMI) borrowers took 26.1% of its loans, up from 18.8% in 2024. That puts it near the middle of its peers.
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
97 loans in 2025, its most in any year since 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Bank took 103 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
56.7% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 56.7% · Refinance 33.0% · Home improvement 6.2% · Other 4.1%
Conventional 100.0% · of 97 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
1 state, 4 metros, 14 counties
| State | Loans | Share |
|---|---|---|
| Wisconsin | 97 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Janesville-Beloit | 71 |
| Madison | 6 |
| Milwaukee-Waukesha | 3 |
| Appleton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BZ038VQFB4UY84 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 742542 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311225 | 1990–2017 |
Established 1 January 1911. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Community Bank's data.
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