Purchase Originations
586
Ranked #578 nationally
Median Total Costs
$2,770
−58.5% vs national ($6,680)
↑ $48 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$400
Median Lender Credits
$750
Cost Rank (500+ vol.)
#36
among lenders with 500+ originations
Denial Rate
3.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 575 | 6.500% | $2,764 | $400 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,221 | 6.562% | — | 10 | −$549 | |
| 2 | $2,301 | 6.438% | — | 20 | −$469 | |
| 3 | $2,432 | 6.125% | — | 23 | −$338 | |
| 4 | $2,460 | 6.625% | — | 15 | −$310 | |
| 5 | $2,620 | 6.438% | — | 12 | −$150 | |
| 6 | $2,664 | 6.625% | — | 11 | −$106 | |
| 7 | $2,674 | 6.375% | — | 16 | −$96 | |
| 8 | $2,684 | 6.562% | — | 16 | −$86 | |
| 9 | $2,727 | 6.500% | — | 102 | −$43 | |
| 10 | $2,732 | 6.375% | — | 23 | −$38 | |
| 11 | $2,789 | 6.375% | — | 75 | +$19 | |
| 12 | $2,792 | 6.750% | — | 9 | +$22 | |
| 13 | $2,823 | 6.500% | — | 35 | +$53 | |
| 14 | $2,846 | 6.500% | — | 21 | +$76 | |
| 15 | $2,878 | 6.125% | — | 11 | +$108 | |
| 16 | $2,904 | 6.375% | — | 41 | +$134 | |
| 17 | $2,965 | 6.375% | — | 42 | +$195 | |
| 18 | $3,103 | 6.625% | — | 12 | +$333 | |
| 19 | $3,202 | 6.625% | — | 9 | +$432 | |
| 20 | $3,240 | 6.750% | — | 8 | +$470 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Bank First, N.A. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $2,770 | $7,127 | −$4,357 (−61.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.