# Bank First, N.A.

> **Canonical URL:** https://saferate.com/lenders/bank-first


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Bank First, N.A. is a bank, headquartered in Manitowoc, WI, serving borrowers across 12 states, with 683 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 14% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300BRLQAIJ1LJA253
- **Headquarters:** Manitowoc, WI
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** AZ, CO, FL, GA, HI, IA, IN, MI, MN, NC, TX, WI
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 86/100
- Rating: ●●●●● (5/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.008%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $259
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 683
- **Dollar Volume:** $196 million
- **Applications Received:** 797
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $287,299
- **Average Borrower Income:** $157,467
- **Average Property Value:** $408,236

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (84%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 645 | +0.000% | $237 | Strong 😀 |
| Jumbo | 68/100 | 21 | +0.245% | $618 | Strong 😀 |
| USDA | 71/100 | 10 | +0.162% | $822 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 530 loans, Score: 76/100 (Strong)
- Refinance: 115 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 74/100 | 564 | $170M | +0.017% | Strong 😀 |
| Refinance | 69/100 | 119 | $27M | -0.037% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 655 | 0.99% | 88/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 314 | 70/100 |
| Sheboygan, WI | WI | 123 | 100/100 |
| Green Bay, WI | WI | 61 | 73/100 |
| Fond du Lac, WI | WI | 40 | 73/100 |
| Milwaukee | WI | 40 | 58/100 |
| Madison, WI | WI | 29 | 54/100 |
| Appleton, WI | WI | 26 | 56/100 |
| Oshkosh | WI | 15 | 49/100 |

## Where This Lender Ranks

Bank First, N.A. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Wisconsin for USDA Loans
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Wisconsin for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Sheboygan, WI
  - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders)
- 🥇 **#1** in Sheboygan, WI Banks
  - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders/banks)
- 🥇 **#1** in Sheboygan, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Sheboygan, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Wisconsin Banks
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks)
- 🥈 **#2** in Wisconsin for Jumbo Loans
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Wisconsin for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Wisconsin for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Green Bay, WI Banks
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/banks)
- 🥉 **#3** in Green Bay, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Fond du Lac, WI
  - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders)
- 🥉 **#3** in Fond du Lac, WI Banks
  - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders/banks)
- 🥉 **#3** in Appleton, WI Banks
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/banks)
- 🏆 **#4** in Wisconsin
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders)
- 🏆 **#4** in Wisconsin for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Fond du Lac, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Fond du Lac, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Green Bay, WI
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Bank First, N.A. offer?

Bank First, N.A. offers the following mortgage loan types: Conventional, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Bank First, N.A. offer mortgages?

Bank First, N.A. offers mortgages in 12 states: AZ, CO, FL, GA, HI, IA, IN, MI, MN, NC, TX, WI.

### How competitive are Bank First, N.A.'s mortgage rates?

Bank First, N.A. has a pricing score of 86/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.008% above market average.

### What type of lender is Bank First, N.A.?

Bank First, N.A. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Manitowoc, WI.

### What is Bank First, N.A.'s loan approval success rate?

Bank First, N.A. has a pull-through score of 82/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/bank-first

### How to Cite

> "Bank First, N.A. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bank-first

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