Applications / Mortgage Analytics / Lenders / Wisconsin / First National Community Bank
New Richmond, WI · National bank · OCC · $319 million assets · 81 loans in 2025
First National Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
81
loans originated, 2025
84
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Community Bank, based in New Richmond, Wisconsin, makes bigger purchase loans than its peers around Minneapolis-St. Paul, though it lends far less than at its 2020 peak.
It made 81 loans in 2025, 19% fewer than in 2024, while similar lenders (national banks making between half and twice as many loans) grew by 6% and the market by 10%. The fall was steeper than at most of them. It made 537 loans in 2020 and 434 in 2021, then 132 in 2022. The record does not say why; whether the peak years were mostly refinancing is a question the earlier years' detail can answer.
Its typical loan was $275,000, against $185,000 at similar lenders, higher than about three in four of them. Purchases made up 60.5% of its loans and refinances 34.6%. All were conventional.
Low- and moderate-income (LMI) borrowers took 35.9% of its loans, against 22.4% at similar lenders, higher than about four in five of them. The share was 36.0% in 2024 and 26.5% in 2020. In LMI neighborhoods, at 16.1%, it sat near the middle of its peers.
In Minneapolis-St. Paul-Bloomington, its largest market, it ranked 180 of 688 lenders with 0.1% of the market, unchanged; Bell Bank led there. It has lent there since 1990. In 2025 it first lent in non-metro Wyoming.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Community Bank took 84 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.5% · Refinance 34.6% · Home improvement 3.7% · Other 1.2%
Conventional 100.0% · of 81 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 | 71 | 87.7% |
| Minnesota | 5 | 6.2% |
| Florida | 4 | 4.9% |
| Wyoming | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 53 |
| Cape Coral-Fort Myers | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Q26XXW77S35W27 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 23755 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 111412 | 1990–2017 |
Established 1 January 1919. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First National Community Bank's data.
First National Community Bank's data
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First National Community Bank 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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