# Community First

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


Community First is a credit union, headquartered in Neenah, WI, serving borrowers across 3 states, with 1,156 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 4% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 10% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900Q5026VQBAVI394
- **Headquarters:** Neenah, WI
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** IL, MN, WI
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.7%
- **Brokered/Wholesale:** 0.3%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 96/100
- Rating: ●●●●● (5/5)

### Pull Through: Exceptional 🤩
- Score: 90/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** -0.336%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $604
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,156
- **Dollar Volume:** $244 million
- **Applications Received:** 1,414
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $211,401
- **Average Borrower Income:** $117,857
- **Average Property Value:** $335,502

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (90%)
- 💎 **Refinance Diamond Champion** (90%)
- ⭐ **Purchase Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 81/100 | 1,150 | -0.335% | $603 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 650 loans, Score: 77/100 (Strong)
- Refinance: 500 loans, Score: 84/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 75/100 | 655 | $174M | -0.305% | Strong 😀 |
| Refinance | 82/100 | 501 | $70M | -0.398% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 1,153 | 1.75% | 93/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Appleton, WI | WI | 471 | 100/100 |
| Oshkosh | WI | 283 | 100/100 |
| Non |  | 241 | 64/100 |
| Green Bay, WI | WI | 131 | 86/100 |
| Fond du Lac, WI | WI | 16 | 51/100 |

## Where This Lender Ranks

Community First appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Wisconsin Credit Unions
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Wisconsin for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Appleton, WI
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders)
- 🥇 **#1** in Appleton, WI Credit Unions
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Appleton, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Appleton, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Oshkosh
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders)
- 🥇 **#1** in Oshkosh Credit Unions
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Oshkosh for Conventional Loans
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Oshkosh for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Green Bay, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Wisconsin
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders)
- 🥈 **#2** in Wisconsin for Conventional Loans
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Wisconsin for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Green Bay, WI Credit Unions
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Green Bay, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Fond du Lac, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Green Bay, WI
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders)
- 🏆 **#6** in Wisconsin for Jumbo Loans
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/jumbo-loans)
- 🏆 **#6** in Fond du Lac, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Community First offer?

Community First offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Community First offer mortgages?

Community First offers mortgages in 3 states: IL, MN, WI.

### How competitive are Community First's mortgage rates?

Community First has a pricing score of 96/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.336% below market average.

### What type of lender is Community First?

Community First is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Neenah, WI.

### What is Community First's loan approval success rate?

Community First has a pull-through score of 90/100 (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/community-first

### How to Cite

> "Community First Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/community-first

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**[View Interactive Profile →](https://saferate.com/lenders/community-first)**