First Community CU of Beloit mortgage approval rate & lending review
First Community CU of Beloit decided 353 mortgage applications and funded 311 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Community CU of Beloit reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Community CU of Beloit at a glance
Approval is 10.4 points above the 78.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 113 / 117 | 100% | $195K | 113 |
| Cash-out refinance | 77% | 82 / 106 | 99% | $125K | 81 |
| Refinance | 91% | 87 / 96 | 100% | $75K | 87 |
First Community CU of Beloit lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Community CU of Beloit lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Rock County, WI | Mortgage lenders | 97% | 69 | 67 |
| Rock County, WI | Cash-out refinance | 80% | 75 | 59 |
| Rock County, WI | Refinance | 92% | 52 | 48 |
| Winnebago County, IL | Mortgage lenders | 95% | 40 | 38 |
| Winnebago County, IL | Refinance | 88% | 40 | 35 |
| Winnebago County, IL | Cash-out refinance | 70% | 27 | 19 |
The county markets where First Community CU of Beloit made the most loans. Each link opens that market with every lender ranked.
Questions about First Community CU of Beloit
What is First Community CU of Beloit's mortgage approval rate?
First Community CU of Beloit approved 88.4% of the 353 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.4 points above the 78.0% national rate for the same mix of loan types.
How often do borrowers take the loan First Community CU of Beloit offers?
Borrowers accepted 100% of the loans First Community CU of Beloit approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Community CU of Beloit make?
The typical home purchase mortgage loan First Community CU of Beloit made was $195K; across all loan types its typical loan ran from $75K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Community CU of Beloit lend?
First Community CU of Beloit decided applications in 2 of the states Fat Boy Data covers, most of them in Wisconsin and Illinois.
Can I apply to First Community CU of Beloit directly?
Yes. First Community CU of Beloit is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Community CU of Beloit's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Community CU of Beloit treats applications, then get a rate quote from the lender.