Bank First, N.A. mortgage approval rate & lending review
Bank First, N.A. decided 2,250 mortgage applications and funded 2,070 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bank First, N.A. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bank First, N.A. at a glance
Approval is 15.9 points above the 78.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 983 / 1,001 | 96% | $235K | 948 |
| Home improvement loans | 90% | 478 / 529 | 98% | $55K | 470 |
| Cash-out refinance | 90% | 55 / 61 | 96% | $175K | 53 |
| Refinance | 91% | 367 / 403 | 98% | $105K | 359 |
| Investment property purchase | 98% | 188 / 192 | 98% | $155K | 184 |
| Investment refinance | 91% | 32 / 35 | 100% | $155K | 32 |
Bank First, N.A. lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bank First, N.A. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sheboygan County, WI | Mortgage lenders | 98% | 378 | 358 |
| Sheboygan County, WI | Home improvement loans | 94% | 203 | 186 |
| Brown County, WI | Mortgage lenders | 99% | 175 | 169 |
| Fond du Lac County, WI | Mortgage lenders | 99% | 144 | 135 |
| Brown County, WI | Home improvement loans | 90% | 124 | 109 |
| Brown County, WI | Refinance | 90% | 120 | 105 |
| Fond du Lac County, WI | Refinance | 92% | 106 | 97 |
| Fond du Lac County, WI | Home improvement loans | 91% | 97 | 87 |
| Sheboygan County, WI | Refinance | 88% | 95 | 81 |
| Sheboygan County, WI | Investment property purchase | 97% | 70 | 67 |
| Winnebago County, WI | Mortgage lenders | 99% | 67 | 65 |
| Outagamie County, WI | Mortgage lenders | 98% | 57 | 55 |
The county markets where Bank First, N.A. made the most loans. Each link opens that market with every lender ranked.
Questions about Bank First, N.A.
What is Bank First, N.A.'s mortgage approval rate?
Bank First, N.A. approved 94.6% of the 2,250 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.9 points above the 78.7% national rate for the same mix of loan types.
How often do borrowers take the loan Bank First, N.A. offers?
Borrowers accepted 97% of the loans Bank First, N.A. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bank First, N.A. make?
The typical home purchase mortgage loan Bank First, N.A. made was $235K; across all loan types its typical loan ran from $55K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bank First, N.A. lend?
Bank First, N.A. decided applications in 19 of the states Fat Boy Data covers, most of them in Wisconsin, Florida and Arizona.
Can I apply to Bank First, N.A. directly?
Yes. Bank First, N.A. is a bank or credit union with 38 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bank First, N.A.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bank First, N.A. treats applications, then get a rate quote from the lender.