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 | KOHLER CREDIT UNION | BANK FIRST N.A. |
|---|---|---|
| Total Applications | 734 | 2,351 ▲ |
| Loans Originated | 501 | 1,675 |
| Approval Rate (higher is better) | 68.3% | 71.2% ✓ |
| Denial Rate (lower is better) | 12.5% | 5.7% ✓ |
| Avg Loan Amount | $150,245 | $208,237 |
| Avg Interest Rate (lower is better) | 7.830% | 7.458% ✓ |
| Avg Applicant Income | $34,000 | $35,000 |
| Applications Denied | 92 | 135 |
| Applications Withdrawn | 104 | 109 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | KOHLER CREDIT UNION | BANK FIRST N.A. |
|---|---|---|
| Conventional | 733 (99.9%) | 2,309 (98.2%) |
| FHA | 1 (0.1%) | 1 (0.0%) |
| VA | — | 23 (1.0%) |
| USDA | — | 18 (0.8%) |
Loan Purpose Breakdown
| Purpose | KOHLER CREDIT UNION | BANK FIRST N.A. |
|---|---|---|
| Home Purchase | 252 | 1,273 |
| Home Improvement | 216 | 433 |
| Refinancing | 149 | 362 |
| Other | 117 | 225 |
| Cash-out Refinancing | — | 58 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Wisconsin | 1,640 | #19 |
Summary
- 734 total applications · 501 originated
- Approval rate: 68.3%
- Denial rate: 12.5%
- Avg loan: $150,245
- Avg rate: 7.830%
- HQ: SHEBOYGAN, WI
- 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
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.