Bank First, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Bank First, N.A. 2022 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 | 2,277 |
| Total Mortgage Loan Application Amount | $540,575,000 |
| Average Mortgage Loan Application Amount | $181,400 |
| Highest Mortgage Loan Application Amount | $53,715,000 |
| Average Applicant Income | $129,800 |
| Highest Applicant Income | $7,069,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sheboygan County Wisconsin | 360 | $ 58,030,000 | $ 161,000 | $ 111,000 |
| Manitowoc County Wisconsin | 356 | $ 50,580,000 | $ 142,000 | $ 104,000 |
| Brown County Wisconsin | 192 | $ 45,350,000 | $ 236,000 | $ 188,000 |
| Monroe County Wisconsin | 179 | $ 23,975,000 | $ 133,000 | $ 136,000 |
| Waupaca County Wisconsin | 103 | $ 14,005,000 | $ 135,000 | $ 89,000 |
| Ozaukee County Wisconsin | 100 | $ 81,730,000 | $ 817,000 | $ 184,000 |
| Portage County Wisconsin | 73 | $ 15,815,000 | $ 216,000 | $ 131,000 |
| Door County Wisconsin | 60 | $ 20,850,000 | $ 347,000 | $ 257,000 |
| Outagamie County Wisconsin | 60 | $ 16,950,000 | $ 282,000 | $ 177,000 |
| Winnebago County Wisconsin | 55 | $ 13,525,000 | $ 245,000 | $ 165,000 |
| Milwaukee County Wisconsin | 40 | $ 22,220,000 | $ 555,000 | $ 171,000 |
| Dodge County Wisconsin | 39 | $ 5,465,000 | $ 140,000 | $ 97,000 |
| Calumet County Wisconsin | 30 | $ 4,560,000 | $ 152,000 | $ 94,000 |
| Juneau County Wisconsin | 28 | $ 3,420,000 | $ 122,000 | $ 74,000 |
| Oconto County Wisconsin | 26 | $ 5,740,000 | $ 220,000 | $ 144,000 |
| Shawano County Wisconsin | 25 | $ 4,145,000 | $ 165,000 | $ 149,000 |
| Jefferson County Wisconsin | 24 | $ 4,370,000 | $ 182,000 | $ 153,000 |
| Waukesha County Wisconsin | 22 | $ 8,230,000 | $ 374,000 | $ 206,000 |
| Kewaunee County Wisconsin | 17 | $ 3,605,000 | $ 212,000 | $ 151,000 |
| Jackson County Wisconsin | 16 | $ 2,020,000 | $ 126,000 | $ 468,000 |
| Wood County Wisconsin | 14 | $ 2,510,000 | $ 179,000 | $ 87,000 |
| Marathon County Wisconsin | 13 | $ 2,665,000 | $ 205,000 | $ 138,000 |
| Washington County Wisconsin | 13 | $ 6,465,000 | $ 497,000 | $ 264,000 |
| Adams County Wisconsin | 12 | $ 2,630,000 | $ 219,000 | $ 131,000 |
| Marinette County Wisconsin | 12 | $ 2,410,000 | $ 200,000 | $ 146,000 |
| Oneida County Wisconsin | 11 | $ 4,395,000 | $ 399,000 | $ 186,000 |
| Dane County Wisconsin | 9 | $ 2,505,000 | $ 278,000 | $ 146,000 |
| Fond du Lac County Wisconsin | 9 | $ 1,235,000 | $ 137,000 | $ 82,000 |
| La Crosse County Wisconsin | 9 | $ 1,765,000 | $ 196,000 | $ 143,000 |
| Vernon County Wisconsin | 6 | $ 1,090,000 | $ 181,000 | $ 110,000 |
| Waushara County Wisconsin | 6 | $ 360,000 | $ 60,000 | $ 66,000 |
| Maricopa County Arizona | 5 | $ 4,795,000 | $ 959,000 | $ 494,000 |
| Green Lake County Wisconsin | 5 | $ 2,155,000 | $ 431,000 | $ 221,000 |
| Lee County Florida | 4 | $ 6,290,000 | $ 1,572,000 | $ 419,000 |
| Pinellas County Florida | 3 | $ 985,000 | $ 328,000 | $ 271,000 |
| Cook County Illinois | 3 | $ 645,000 | $ 215,000 | $ 195,000 |
| Forest County Wisconsin | 3 | $ 555,000 | $ 185,000 | $ 99,000 |
| Langlade County Wisconsin | 3 | $ 1,025,000 | $ 341,000 | $ 457,000 |
| Lincoln County Wisconsin | 3 | $ 425,000 | $ 141,000 | $ 50,000 |
| Racine County Wisconsin | 3 | $ 485,000 | $ 161,000 | $ 163,000 |
| Sauk County Wisconsin | 3 | $ 325,000 | $ 108,000 | $ 112,000 |
| Vilas County Wisconsin | 3 | $ 725,000 | $ 241,000 | $ 239,000 |
| Washburn County Wisconsin | 3 | $ 945,000 | $ 315,000 | $ 164,000 |
| Jefferson County Colorado | 2 | $ 1,660,000 | $ 830,000 | $ 405,000 |
| Collier County Florida | 2 | $ 800,000 | $ 400,000 | $ 89,000 |
| Marion County Florida | 2 | $ 1,030,000 | $ 515,000 | $ 317,000 |
| Orange County Florida | 2 | $ 980,000 | $ 490,000 | $ 140,000 |
| Hamilton County Indiana | 2 | $ 1,150,000 | $ 575,000 | $ 621,000 |
| Eau Claire County Wisconsin | 2 | $ 510,000 | $ 255,000 | $ 77,000 |
| Menominee County Wisconsin | 2 | $ 330,000 | $ 165,000 | $ 423,000 |
| Walworth County Wisconsin | 2 | $ 280,000 | $ 140,000 | $ 103,000 |
| Benton County Arkansas | 1 | $ 445,000 | $ 445,000 | $ 200,000 |
| Sarasota County Florida | 1 | $ 255,000 | $ 255,000 | $ 241,000 |
| Volusia County Florida | 1 | $ 325,000 | $ 325,000 | $ 140,000 |
| Paulding County Georgia | 1 | $ 285,000 | $ 285,000 | $ 75,000 |
| DuPage County Illinois | 1 | $ 15,000 | $ 15,000 | $ 151,000 |
| Jo Daviess County Illinois | 1 | $ 555,000 | $ 555,000 | $ 1,541,000 |
| Winnebago County Illinois | 1 | $ 185,000 | $ 185,000 | $ 169,000 |
| St. Joseph County Indiana | 1 | $ 235,000 | $ 235,000 | $ 85,000 |
| Livingston County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 146,000 |
| Suffolk County Massachusetts | 1 | $ 405,000 | $ 405,000 | $ 77,000 |
| Dickinson County Michigan | 1 | $ 645,000 | $ 645,000 | $ 220,000 |
| Iron County Michigan | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Mackinac County Michigan | 1 | $ 1,505,000 | $ 1,505,000 | $ 408,000 |
| Dakota County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 317,000 |
| Hennepin County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 111,000 |
| Flathead County Montana | 1 | $ 3,005,000 | $ 3,005,000 | $ 1,075,000 |
| Cameron County Texas | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| Nueces County Texas | 1 | $ 855,000 | $ 855,000 | $ 306,000 |
| Rains County Texas | 1 | $ 1,085,000 | $ 1,085,000 | $ 827,000 |
| Summit County Utah | 1 | $ 1,575,000 | $ 1,575,000 | $ 961,000 |
| King County Washington | 1 | $ 805,000 | $ 805,000 | $ 1,313,000 |
| Barron County Wisconsin | 1 | $ 285,000 | $ 285,000 | $ 252,000 |
| Bayfield County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 341,000 |
| Crawford County Wisconsin | 1 | $ 645,000 | $ 645,000 | $ 222,000 |
| Dunn County Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 136,000 |
| Grant County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Iowa County Wisconsin | 1 | $ 585,000 | $ 585,000 | $ 176,000 |
| Iron County Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 135,000 |
| Marquette County Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 246,000 |
| Polk County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Bank First, N.A. in 2022
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,139 | $375,815,000 | $329,000 | $53,715,000 | $145,000 | $5,765,000 |
| Refinancing | 428 | $89,110,000 | $208,000 | $10,605,000 | $130,000 | $1,630,000 |
| Home Improvement | 366 | $29,230,000 | $79,000 | $1,005,000 | $142,000 | $7,069,000 |
| Other Purpose | 248 | $30,080,000 | $121,000 | $3,005,000 | $145,000 | $1,441,000 |
| Cash-out Refinancing | 96 | $16,340,000 | $170,000 | $605,000 | $87,000 | $310,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,005 | $390,025,000 | $194,000 | $3,005,000 | $138,000 | $7,069,000 |
| Not Provided | 126 | $41,390,000 | $328,000 | $4,405,000 | $174,000 | $1,493,000 |
| Not applicable | 54 | $87,330,000 | $1,617,000 | $53,715,000 | $0 | $0 |
| Hispanic | 39 | $8,005,000 | $205,000 | $845,000 | $111,000 | $563,000 |
| Asian | 28 | $8,770,000 | $313,000 | $1,875,000 | $156,000 | $1,330,000 |
| American Indian or Alaskan Native | 13 | $1,735,000 | $133,000 | $535,000 | $87,000 | $184,000 |
| Black or African American | 6 | $1,400,000 | $233,000 | $955,000 | $90,000 | $270,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 2,236 | $531,780,000 | $237,000 | $53,715,000 | $141,000 | $7,069,000 |
| VA-guaranteed (Veterans Administration) | 21 | $5,605,000 | $266,000 | $415,000 | $87,000 | $190,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $3,190,000 | $159,000 | $255,000 | $58,000 | $88,000 |
| 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 | 1,638 | $409,290,000 | $249,000 | $53,715,000 | $153,000 | $7,069,000 |
| Preapproval Approved but not Accepted | 219 | $56,725,000 | $259,000 | $735,000 | $107,000 | $647,000 |
| Application Denied By Financial Institution | 144 | $16,120,000 | $111,000 | $855,000 | $95,000 | $600,000 |
| Application Withdrawn By Applicant | 140 | $34,170,000 | $244,000 | $1,875,000 | $132,000 | $1,330,000 |
| Application Approved But Not Accepted | 63 | $10,725,000 | $170,000 | $945,000 | $122,000 | $601,000 |
| Preapproval Denied by Financial Institution | 53 | $9,605,000 | $181,000 | $445,000 | $57,000 | $136,000 |
| File Closed For Incompleteness | 20 | $3,940,000 | $197,000 | $645,000 | $89,000 | $214,000 |
| 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 | 2,080 | $514,850,000 | $247,000 | $53,715,000 | $145,000 | $7,069,000 |
| Credit History | 126 | $13,670,000 | $108,000 | $385,000 | $86,000 | $474,000 |
| Debt-To-Income Ratio | 48 | $7,360,000 | $153,000 | $635,000 | $54,000 | $170,000 |
| Collateral | 14 | $2,220,000 | $158,000 | $855,000 | $158,000 | $600,000 |
| Other | 6 | $1,110,000 | $185,000 | $285,000 | $58,000 | $83,000 |
| Unverifiable Information | 2 | $970,000 | $485,000 | $785,000 | $300,000 | $600,000 |
| Employment History | 1 | $395,000 | $395,000 | $395,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank First, N.A.'s 2022 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.
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with aggregated HMDA statistics today.