Purchase Originations
724
Ranked #493 nationally
Median Total Costs
$2,662
−60.1% vs national ($6,680)
↑ $33 vs prior year
Median Rate
5.875%
−9.5% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$650
Median Lender Credits
$86
Cost Rank (500+ vol.)
#30
among lenders with 500+ originations
Denial Rate
3.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 724 | 5.875% | $2,662 | $650 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Wisconsin | 724 | 5.875% | $2,662 | #18 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,212 | 4.990% | — | 1 | −$450 | |
| 2 | $2,234 | 5.500% | — | 5 | −$428 | |
| 3 | $2,260 | 5.875% | — | 7 | −$402 | |
| 4 | $2,337 | 5.990% | — | 1 | −$325 | |
| 5 | $2,372 | 5.995% | — | 30 | −$290 | |
| 6 | $2,378 | 5.870% | — | 6 | −$284 | |
| 7 | $2,384 | 6.500% | — | 1 | −$278 | |
| 8 | $2,390 | 5.990% | — | 74 | −$272 | |
| 9 | $2,482 | 4.990% | — | 1 | −$180 | |
| 10 | $2,524 | 5.490% | — | 1 | −$138 | |
| 11 | $2,591 | 5.875% | — | 20 | −$71 | |
| 12 | $2,611 | 5.995% | — | 54 | −$51 | |
| 13 | $2,760 | 5.990% | — | 183 | +$98 | |
| 14 | $2,768 | 5.875% | — | 255 | +$106 | |
| 15 | $2,797 | 6.000% | — | 3 | +$135 | |
| 16 | $2,800 | 5.875% | — | 9 | +$138 | |
| 17 | $3,050 | 5.875% | — | 66 | +$388 | |
| 18 | $3,120 | 6.562% | — | 4 | +$458 | |
| 19 | $3,166 | 5.490% | — | 1 | +$504 | |
| 20 | $3,615 | 5.490% | — | 1 | +$953 |
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 | Community First | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $2,662 | $7,127 | −$4,465 (−62.6%) |
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.