First National Community Bank
First National Community Bank received 84 applications in 2025 and made 81 mortgages, in 13 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $275,000. Of 82 decisions, 1 were denials — 1.2%, most often for employment history.
| Legal Entity Identifier | 549300Q26XXW77S35W27 |
|---|---|
| Applications received | 84 |
| Mortgages made | 81 |
| Denied | 1 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First National Community Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 49 | Not published | $265,000 | 0.0% |
| Refinancing | 27 | Not published | $305,000 | 0.0% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 20.0% |
Where First National Community Bank lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| St. Croix County, WI | 44 | Not published | 2.2% |
| Polk County, WI | 14 | Not published | 0.0% |
| Pierce County, WI | 6 | Under 10 loans | 0.0% |
| Lee County, FL | 4 | Under 10 loans | 0.0% |
| Washington County, MN | 2 | Under 10 loans | 0.0% |
| Barron County, WI | 2 | Under 10 loans | 0.0% |
| Dunn County, WI | 2 | Under 10 loans | 0.0% |
| Washburn County, WI | 2 | Under 10 loans | 0.0% |
| Lake County, MN | 1 | Under 10 loans | 0.0% |
| Meeker County, MN | 1 | Under 10 loans | 0.0% |
| Ramsey County, MN | 1 | Under 10 loans | 0.0% |
| Burnett County, WI | 1 | Under 10 loans | 0.0% |
| Fremont County, WY | 1 | Under 10 loans | 0.0% |
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When First National Community Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.