Community First mortgage approval rate & lending review
Community First decided 5,274 mortgage applications and funded 4,941 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Community First reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Community First at a glance
Approval is 19.2 points above the 74.6% 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 | 96% | 1,470 / 1,535 | 100% | $235K | 1,469 |
| Home improvement loans | 94% | 1,092 / 1,160 | 100% | $55K | 1,092 |
| Cash-out refinance | 91% | 1,265 / 1,388 | 100% | $85K | 1,265 |
| Refinance | 94% | 833 / 888 | 100% | $95K | 833 |
| Investment property purchase | 96% | 112 / 117 | 97% | $205K | 109 |
| Investment cash-out refinance | 94% | 111 / 118 | 100% | $155K | 111 |
| Investment refinance | 94% | 44 / 47 | 100% | $165K | 44 |
Community First lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Wisconsin | 94% | $95K | 5,267 | 4,934 |
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 Community First lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Outagamie County, WI | Mortgage lenders | 96% | 712 | 682 |
| Outagamie County, WI | Cash-out refinance | 91% | 595 | 539 |
| Outagamie County, WI | Home improvement loans | 94% | 509 | 479 |
| Winnebago County, WI | Mortgage lenders | 96% | 496 | 478 |
| Winnebago County, WI | Cash-out refinance | 91% | 476 | 432 |
| Outagamie County, WI | Refinance | 93% | 430 | 400 |
| Winnebago County, WI | Home improvement loans | 95% | 398 | 378 |
| Winnebago County, WI | Refinance | 96% | 285 | 274 |
| Brown County, WI | Cash-out refinance | 94% | 284 | 267 |
| Brown County, WI | Mortgage lenders | 94% | 248 | 234 |
| Brown County, WI | Home improvement loans | 93% | 209 | 195 |
| Brown County, WI | Refinance | 93% | 149 | 138 |
The county markets where Community First made the most loans. Each link opens that market with every lender ranked.
Questions about Community First
What is Community First's mortgage approval rate?
Community First approved 93.8% of the 5,274 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 19.2 points above the 74.6% national rate for the same mix of loan types.
How often do borrowers take the loan Community First offers?
Borrowers accepted 100% of the loans Community First 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 Community First make?
The typical home purchase mortgage loan Community First 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 Community First lend?
Community First decided applications in 4 of the states Fat Boy Data covers, most of them in Wisconsin, Illinois and Minnesota.
Can I apply to Community First directly?
Yes. Community First is a bank or credit union with 51 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Community First'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 Community First treats applications, then get a rate quote from the lender.