Community First in Wisconsin vs the state
6.9%Denial rate-7.12 pts vs state
7.9%Decision denial rate-8.47 pts vs state
80.3%Origination rate+12.18 pts vs state
5.49%Median rate-1.13 pts vs state
-0.54Rate spread (pts)-0.66 pts vs state
$108kMedian applicant income
3,509Loans originated
301Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,193 | 2,458 | 6.2% | 6.13% | #11 |
| 2024 | 3,294 | 2,618 | 6.9% | 6.38% | #13 |
| 2025 | 4,368 | 3,509 | 6.9% | 5.49% | #11 |
What Community First lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Community First applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Outagamie County | 1,339 | 1,085 | 85 | 6.3% |
| Winnebago County | 976 | 809 | 53 | 5.4% |
| Brown County | 631 | 537 | 31 | 4.9% |
| Waupaca County | 349 | 275 | 28 | 8.0% |
| Calumet County | 314 | 258 | 13 | 4.1% |
| Manitowoc County | 267 | 199 | 35 | 13.1% |
| Fond du Lac County | 87 | 66 | 8 | 9.2% |
| Waushara County | 79 | 55 | 13 | 16.5% |
| Shawano County | 55 | 44 | 3 | 5.5% |
| Oconto County | 54 | 40 | 3 | 5.6% |
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: 4,368 applications in 2025, of which 3,509 were originated and 301 denied.
6.9% of all applications, or 7.9% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Community First originated in Wisconsin in 2025 was 5.49%, against a statewide median of 6.63%.
About this data. Figures are Community 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