Bank First, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Bank First, N.A. 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Bank First, N.A. 402 N 8Th St Manitowoc, WI 54220 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,220 |
| Total Mortgage Loan Application Amount | $311,610,000 |
| Average Mortgage Loan Application Amount | $202,666 |
| Highest Mortgage Loan Application Amount | $13,965,000 |
| Average Applicant Income | $117,166 |
| Highest Applicant Income | $2,068,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Bank First, N.A.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bank First, N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Bank First, N.A.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bank First, N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by Bank First, N.A., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bank First, N.A.'s mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Manitowoc County Wisconsin | 324 | $ 52,690,000 | $ 162,000 | $ 87,000 |
| Sheboygan County Wisconsin | 212 | $ 43,660,000 | $ 205,000 | $ 112,000 |
| Brown County Wisconsin | 126 | $ 40,360,000 | $ 320,000 | $ 152,000 |
| Waupaca County Wisconsin | 120 | $ 11,450,000 | $ 95,000 | $ 67,000 |
| Winnebago County Wisconsin | 51 | $ 15,055,000 | $ 295,000 | $ 160,000 |
| Ozaukee County Wisconsin | 50 | $ 29,780,000 | $ 595,000 | $ 171,000 |
| Outagamie County Wisconsin | 39 | $ 22,675,000 | $ 581,000 | $ 131,000 |
| Calumet County Wisconsin | 33 | $ 4,855,000 | $ 147,000 | $ 99,000 |
| Monroe County Wisconsin | 33 | $ 5,215,000 | $ 158,000 | $ 70,000 |
| Milwaukee County Wisconsin | 23 | $ 6,425,000 | $ 279,000 | $ 184,000 |
| Barron County Wisconsin | 19 | $ 3,085,000 | $ 162,000 | $ 180,000 |
| Door County Wisconsin | 19 | $ 9,615,000 | $ 506,000 | $ 367,000 |
| Oconto County Wisconsin | 14 | $ 4,210,000 | $ 300,000 | $ 159,000 |
| Fond du Lac County Wisconsin | 11 | $ 3,785,000 | $ 344,000 | $ 268,000 |
| Dodge County Wisconsin | 10 | $ 1,930,000 | $ 193,000 | $ 93,000 |
| Shawano County Wisconsin | 10 | $ 1,350,000 | $ 135,000 | $ 77,000 |
| Washington County Wisconsin | 10 | $ 7,780,000 | $ 778,000 | $ 134,000 |
| Marinette County Wisconsin | 9 | $ 1,695,000 | $ 188,000 | $ 145,000 |
| Portage County Wisconsin | 8 | $ 770,000 | $ 96,000 | $ 72,000 |
| Waukesha County Wisconsin | 7 | $ 2,225,000 | $ 317,000 | $ 156,000 |
| Waushara County Wisconsin | 7 | $ 695,000 | $ 99,000 | $ 76,000 |
| Jefferson County Wisconsin | 6 | $ 1,240,000 | $ 206,000 | $ 86,000 |
| Juneau County Wisconsin | 6 | $ 850,000 | $ 141,000 | $ 72,000 |
| Kewaunee County Wisconsin | 6 | $ 2,100,000 | $ 350,000 | $ 328,000 |
| Forest County Wisconsin | 4 | $ 430,000 | $ 107,000 | $ 80,000 |
| Jackson County Wisconsin | 4 | $ 2,240,000 | $ 560,000 | $ 595,000 |
| Lee County Florida | 3 | $ 3,575,000 | $ 1,191,000 | $ 434,000 |
| Green Lake County Wisconsin | 3 | $ 585,000 | $ 195,000 | $ 160,000 |
| Rusk County Wisconsin | 3 | $ 365,000 | $ 121,000 | $ 115,000 |
| Pinellas County Florida | 2 | $ 660,000 | $ 330,000 | $ 278,000 |
| Marquette County Michigan | 2 | $ 12,800,000 | $ 6,400,000 | $ 0 |
| Adams County Wisconsin | 2 | $ 180,000 | $ 90,000 | $ 159,000 |
| Chippewa County Wisconsin | 2 | $ 310,000 | $ 155,000 | $ 54,000 |
| Dunn County Wisconsin | 2 | $ 360,000 | $ 180,000 | $ 197,000 |
| La Crosse County Wisconsin | 2 | $ 410,000 | $ 205,000 | $ 56,000 |
| Menominee County Wisconsin | 2 | $ 410,000 | $ 205,000 | $ 211,000 |
| Vilas County Wisconsin | 2 | $ 350,000 | $ 175,000 | $ 72,000 |
| Orange County Florida | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Coweta County Georgia | 1 | $ 205,000 | $ 205,000 | $ 105,000 |
| Paulding County Georgia | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Champaign County Illinois | 1 | $ 265,000 | $ 265,000 | $ 186,000 |
| Cook County Illinois | 1 | $ 365,000 | $ 365,000 | $ 151,000 |
| Lake County Illinois | 1 | $ 875,000 | $ 875,000 | $ 448,000 |
| Hamilton County Indiana | 1 | $ 1,365,000 | $ 1,365,000 | $ 831,000 |
| Baraga County Michigan | 1 | $ 525,000 | $ 525,000 | $ 138,000 |
| Delta County Michigan | 1 | $ 165,000 | $ 165,000 | $ 119,000 |
| Dickinson County Michigan | 1 | $ 675,000 | $ 675,000 | $ 322,000 |
| Hennepin County Minnesota | 1 | $ 415,000 | $ 415,000 | $ 143,000 |
| Douglas County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Cass County North Dakota | 1 | $ 325,000 | $ 325,000 | $ 722,000 |
| Tarrant County Texas | 1 | $ 275,000 | $ 275,000 | $ 113,000 |
| Buffalo County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 275,000 |
| Clark County Wisconsin | 1 | $ 385,000 | $ 385,000 | $ 166,000 |
| Dane County Wisconsin | 1 | $ 635,000 | $ 635,000 | $ 213,000 |
| Green County Wisconsin | 1 | $ 2,485,000 | $ 2,485,000 | $ 0 |
| Iron County Wisconsin | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Marathon County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 96,000 |
| Polk County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 57,000 |
| Racine County Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 66,000 |
| Richland County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 111,000 |
| Sauk County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 107,000 |
| St. Croix County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Trempealeau County Wisconsin | 1 | $ 445,000 | $ 445,000 | $ 162,000 |
| Wood County Wisconsin | 1 | $ 2,855,000 | $ 2,855,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bank First, N.A. in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 536 | $125,600,000 | $234,000 | $5,305,000 | $129,000 | $2,068,000 |
| Home Purchase | 509 | $160,775,000 | $315,000 | $13,965,000 | $113,000 | $1,032,000 |
| Cash-out Refinancing | 97 | $17,015,000 | $175,000 | $465,000 | $105,000 | $294,000 |
| Other Purpose | 48 | $6,270,000 | $130,000 | $835,000 | $163,000 | $1,243,000 |
| Home Improvement | 28 | $1,320,000 | $47,000 | $135,000 | $92,000 | $269,000 |
| Not Applicable | 2 | $630,000 | $315,000 | $365,000 | $101,000 | $123,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,107 | $213,315,000 | $192,000 | $2,565,000 | $121,000 | $2,068,000 |
| Not applicable | 71 | $89,455,000 | $1,259,000 | $13,965,000 | $20,000 | $20,000 |
| Not Provided | 22 | $3,570,000 | $162,000 | $575,000 | $95,000 | $450,000 |
| Hispanic | 10 | $2,750,000 | $275,000 | $1,365,000 | $193,000 | $831,000 |
| Asian | 6 | $1,260,000 | $210,000 | $545,000 | $135,000 | $500,000 |
| Black or African American | 4 | $1,260,000 | $315,000 | $485,000 | $166,000 | $259,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,214 | $309,460,000 | $254,000 | $13,965,000 | $122,000 | $2,068,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $2,150,000 | $358,000 | $1,205,000 | $48,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,067 | $289,895,000 | $271,000 | $13,965,000 | $126,000 | $2,068,000 |
| Application Withdrawn By Applicant | 81 | $12,225,000 | $150,000 | $615,000 | $109,000 | $600,000 |
| Application Denied By Financial Institution | 43 | $5,475,000 | $127,000 | $435,000 | $68,000 | $297,000 |
| Application Approved But Not Accepted | 12 | $1,500,000 | $125,000 | $265,000 | $71,000 | $155,000 |
| Preapproval Approved but not Accepted | 9 | $1,205,000 | $133,000 | $255,000 | $65,000 | $127,000 |
| File Closed For Incompleteness | 8 | $1,310,000 | $163,000 | $405,000 | $63,000 | $96,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,177 | $306,135,000 | $260,000 | $13,965,000 | $123,000 | $2,068,000 |
| Credit History | 22 | $2,700,000 | $122,000 | $435,000 | $76,000 | $247,000 |
| Debt-To-Income Ratio | 15 | $1,665,000 | $111,000 | $245,000 | $36,000 | $127,000 |
| Collateral | 4 | $940,000 | $235,000 | $385,000 | $152,000 | $297,000 |
| Other | 2 | $170,000 | $85,000 | $85,000 | $55,000 | $88,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank First, N.A.'s 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bank First, N.A.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.