Bank First in Wisconsin vs the state
8.6%Denial rate-5.45 pts vs state
9.1%Decision denial rate-7.29 pts vs state
82.9%Origination rate+14.73 pts vs state
6.88%Median rate+0.25 pts vs state
0.02Rate spread (pts)-0.10 pts vs state
$102kMedian applicant income
1,810Loans originated
187Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,891 | 1,599 | 6.9% | 7.50% | #21 |
| 2024 | 1,946 | 1,640 | 6.6% | 7.50% | #23 |
| 2025 | 2,184 | 1,810 | 8.6% | 6.88% | #23 |
What Bank First lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Bank First applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sheboygan County | 327 | 272 | 29 | 8.9% |
| Manitowoc County | 301 | 253 | 26 | 8.6% |
| Brown County | 183 | 160 | 13 | 7.1% |
| Monroe County | 166 | 132 | 20 | 12.0% |
| Fond du Lac County | 155 | 129 | 7 | 4.5% |
| Waushara County | 111 | 97 | 10 | 9.0% |
| Waupaca County | 94 | 70 | 12 | 12.8% |
| Winnebago County | 76 | 66 | 7 | 9.2% |
| Columbia County | 63 | 58 | 3 | 4.8% |
| Ozaukee County | 59 | 46 | 7 | 11.9% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 2,184 applications in 2025, of which 1,810 were originated and 187 denied.
8.6% of all applications, or 9.1% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Bank First originated in Wisconsin in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Bank First's own HMDA filing for properties located in Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology