First Community CU of Beloit at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
7th31.5% deniedProcesswithdrawn + incomplete share, weight 15%
46th12.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 256 | 190 | 11.3% | 13.2% | 6.25% | $21M |
| 2024 | 281 | 209 | 14.6% | 16.3% | 6.88% | $26M |
| 2025 | 275 | 165 | 27.6% | 31.5% | — | $22M |
What First Community CU of Beloit lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 5 investment properties.
Who gets approved at First Community CU of Beloit
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 49 | 19 | 53.7% |
| $50k – $100k | 108 | 60 | 34.8% |
| $100k – $150k | 67 | 52 | 21.2% |
| $150k – $250k | 41 | 29 | 9.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 48 | 25 | 41.9% |
| 35–44 | 59 | 33 | 40.0% |
| 45–54 | 66 | 42 | 28.8% |
| 55–64 | 63 | 43 | 20.4% |
| 65–74 | 24 | 16 | 15.8% |
Where First Community CU of Beloit lends
2 states and 22 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
First Community CU of Beloit denied 31.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 7th percentile of small mortgage lenders.
In 2025, 39% of its applications were for home purchases, 41% for refinancing (including cash-out), and 20% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.