Community First
Community First received 4,370 applications in 2025 and made 3,510 mortgages, in 49 counties across 3 states. The median rate its borrowers got was 5.490% on a median loan of $105,000. Of 3,815 decisions, 302 were denials — 7.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900Q5026VQBAVI394 |
|---|---|
| Applications received | 4,370 |
| Mortgages made | 3,510 |
| Denied | 302 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 555 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.54 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 837 | 5.990% | $235,000 | 5.3% |
| Refinancing | 579 | 5.490% | $105,000 | 6.9% |
| Cash-out refinancing | 827 | 5.490% | $105,000 | 9.1% |
| Other purposes | 1,267 | 5.490% | $65,000 | 9.2% |
Where Community First lends most
The 49 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Outagamie County, WI | 1,085 | 5.490% | 7.3% |
| Winnebago County, WI | 809 | 5.490% | 6.1% |
| Brown County, WI | 537 | 5.490% | 5.4% |
| Waupaca County, WI | 275 | 5.490% | 9.2% |
| Calumet County, WI | 258 | 5.490% | 4.8% |
| Manitowoc County, WI | 199 | 5.490% | 15.0% |
| Fond du Lac County, WI | 66 | 5.490% | 10.8% |
| Waushara County, WI | 55 | 5.490% | 19.1% |
| Shawano County, WI | 44 | 5.490% | 6.4% |
| Oconto County, WI | 40 | 5.490% | 7.0% |
| Kewaunee County, WI | 21 | 5.490% | 12.5% |
| Portage County, WI | 17 | 5.490% | 22.7% |
| Sheboygan County, WI | 17 | 5.490% | 10.5% |
| Green Lake County, WI | 16 | 5.490% | 15.8% |
| Door County, WI | 8 | Under 10 loans | 11.1% |
| Marinette County, WI | 8 | Under 10 loans | 33.3% |
| Forest County, WI | 7 | Under 10 loans | 0.0% |
| Dodge County, WI | 5 | Under 10 loans | 16.7% |
| Menominee County, WI | 5 | Under 10 loans | 16.7% |
| Dane County, WI | 4 | Under 10 loans | 0.0% |
| Ozaukee County, WI | 3 | Under 10 loans | 25.0% |
| Vilas County, WI | 3 | Under 10 loans | 0.0% |
| Wood County, WI | 3 | Under 10 loans | 25.0% |
| Florence County, WI | 2 | Under 10 loans | 0.0% |
| Marathon County, WI | 2 | Under 10 loans | 0.0% |
| Marquette County, WI | 2 | Under 10 loans | 0.0% |
| Oneida County, WI | 2 | Under 10 loans | 33.3% |
| Price County, WI | 2 | Under 10 loans | 0.0% |
| Washington County, WI | 2 | Under 10 loans | 0.0% |
| Waukesha County, WI | 2 | Under 10 loans | 0.0% |
| Pender County, NC | 1 | Under 10 loans | 0.0% |
| Adams County, WI | 1 | Under 10 loans | 0.0% |
| Ashland County, WI | 1 | Under 10 loans | 0.0% |
| Barron County, WI | 1 | Under 10 loans | 50.0% |
| Clark County, WI | 1 | Under 10 loans | 0.0% |
| Jefferson County, WI | 1 | Under 10 loans | 50.0% |
| Langlade County, WI | 1 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 1 | Under 10 loans | 0.0% |
| Richland County, WI | 1 | Under 10 loans | 0.0% |
| Sawyer County, WI | 1 | Under 10 loans | 0.0% |
| Trempealeau County, WI | 1 | Under 10 loans | 0.0% |
| Gogebic County, MI | 0 | Under 10 loans | 100.0% |
| Burnett County, WI | 0 | Under 10 loans | 100.0% |
| Chippewa County, WI | 0 | Under 10 loans | Not published |
| Dunn County, WI | 0 | Under 10 loans | 100.0% |
| Eau Claire County, WI | 0 | Under 10 loans | 100.0% |
| Iron County, WI | 0 | Under 10 loans | 100.0% |
| La Crosse County, WI | 0 | Under 10 loans | Not published |
| Sauk County, WI | 0 | Under 10 loans | Not published |
Get told when this changes
When Community First’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.