What loan types does First Community CU of Beloit offer?

First Community CU of Beloit offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does First Community CU of Beloit offer mortgages?

First Community CU of Beloit offers mortgages in 2 states: IL, WI.

How competitive are First Community CU of Beloit's mortgage rates?

First Community CU of Beloit has an overall pricing score of 82.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Community CU of Beloit?

First Community CU of Beloit is a Credit Union headquartered in Beloit, WI.

Unclaimed

First Community CU of Beloit

Credit Union•Beloit, WIHQ•Direct•Reviews near you on Google

First Community CU of Beloit has 114 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

First Community CU of Beloit performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+5.2 bps above market avg

5/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

113 loans · 0.05% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

65 loans · 0.11% above market

Sound

Top 60% of lenders

3/5

Refinance

49 loans · 0.02% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Strong	113	99.1%	+0.053%Above	$666Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume113

Mix99.1%

Spread

+0.053%Above

Fees

$666Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	65	57.0%	+0.107%Above	$746Fees
Refinance	Strong	Strong	Exceptional	Strong	49	43.0%	-0.023%Below	$556Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume65

Mix57.0%

Spread

+0.107%Above

Fees

$746Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume49

Mix43.0%

Spread

-0.023%Below

Fees

$556Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

114

Applications

161

Volume

$19 million

Pricing & Closing

Avg Rate Spread

+0.052%

vs. market APOR

Avg Net Fees

$665

Origination − Credits

Pullthrough Rate

70.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$174,474

Avg Borrower Income

$110,404

Avg Property Value

$254,298

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 5050+None

Midwest2

ILWI

Top Metro Areas by Place Specialization Score

Janesville, WIMetro

Volume 56Mix 49.12% of portfolio

81/100

Exceptional

Rockford, ILMetro

Volume 32Mix 28.07% of portfolio

65/100

Strong

Top States by Place Specialization Score

WisconsinState

Volume 76Mix 66.67% of portfolio

67/100

Strong

IllinoisState

Volume 38Mix 33.33% of portfolio

57/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of First Community CU of Beloit?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.