Compare Mortgage Lenders
Select two lenders to compare side by side using 2023 HMDA federal data: approval rates, denial rates, loan sizes, loan types, and geographic reach.
Key Metrics
| Metric | BANK FIRST N.A. | UNITEDONE CREDIT UNION |
|---|---|---|
| Total Applications | 2,351 ▲ | 538 |
| Loans Originated | 1,675 | 328 |
| Approval Rate (higher is better) | 71.2% ✓ | 61.0% |
| Denial Rate (lower is better) | 5.7% ✓ | 12.4% |
| Avg Loan Amount | $208,237 | $118,271 |
| Avg Interest Rate (lower is better) | 7.458% | 6.478% ✓ |
| Avg Applicant Income | $35,000 | $34,000 |
| Applications Denied | 135 | 67 |
| Applications Withdrawn | 109 | 47 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | BANK FIRST N.A. | UNITEDONE CREDIT UNION |
|---|---|---|
| Conventional | 2,309 (98.2%) | 522 (97.0%) |
| FHA | 1 (0.0%) | 12 (2.2%) |
| VA | 23 (1.0%) | 2 (0.4%) |
| USDA | 18 (0.8%) | 2 (0.4%) |
Loan Purpose Breakdown
| Purpose | BANK FIRST N.A. | UNITEDONE CREDIT UNION |
|---|---|---|
| Home Purchase | 1,273 | 186 |
| Home Improvement | 433 | 117 |
| Refinancing | 362 | 157 |
| Other | 225 | 74 |
| Cash-out Refinancing | 58 | 4 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Wisconsin | 1,640 | #19 |
No state data available.
Summary
- 2,351 total applications · 1,675 originated
- Approval rate: 71.2%
- Denial rate: 5.7%
- Avg loan: $208,237
- Avg rate: 7.458%
- HQ: MANITOWOC, WI
- 538 total applications · 328 originated
- Approval rate: 61.0%
- Denial rate: 12.4%
- Avg loan: $118,271
- Avg rate: 6.478%
- HQ: MANITOWOC, WI
Methodology
Comparisons are drawn from the CFPB 2024 HMDA Snapshot National Loan-Level Dataset, published by the Consumer Financial Protection Bureau and distributed via the FFIEC. Every figure on this page comes from lenders' mandatory HMDA filings — not voluntary marketing claims.
Approval (origination) rate = originated ÷ total applications. Denial rate = denied ÷ total applications. Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes. Denial rates reflect a lender's applicant mix as much as its underwriting stance; compare alongside loan-type mix and geography before drawing conclusions.
Side-by-side comparisons are informational only and do not constitute financial, legal, or mortgage advice. Always obtain and compare written Loan Estimates before applying.