What loan types does Community First offer?

Community First offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 95.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Community First?

Community First is a Credit Union headquartered in Neenah, WI.

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Community First

Credit Union•Neenah, WIHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Community First — 1.2k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

Conventional

Place

Exceptional

5/5

Regional · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Champion

Purchase

Champion

Refinance

Champion

Summary

What They Do Well

Offers rates 33.60 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Community First performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 33.6 bps below market avg

5/5

Pull Through

Closing strength

Exceptional

Top 20% of lenders

5/5

By Loan Product· Specialization by type

Conventional

1,150 loans · 0.34% below market

Exceptional

Top 20% of lenders

5/5

By Loan Purpose· Transaction purpose mix

Purchase

655 loans · 0.30% below market

Strong

Top 40% of lenders

4/5

Refinance

501 loans · 0.40% below market

Exceptional

Top 20% of lenders

5/5

By Location· Geographic coverage

Geographic Reach

Regional · 5 markets

Exceptional

Top 20% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Exceptional	Exceptional	Exceptional	Exceptional	1,150	99.5%	-0.335%Below	$603Fees

Conventional

Overall

Exceptional

Product

Exceptional

Pricing

Exceptional

Pull Through

Exceptional

Volume1,150

Mix99.5%

Spread

-0.335%Below

Fees

$603Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Exceptional	Strong	Exceptional	Strong	655	56.7%	-0.305%Below	$701Fees
Refinance	Exceptional	Exceptional	Exceptional	Exceptional	501	43.3%	-0.398%Below	$410Fees

Purchase

Overall

Exceptional

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume655

Mix56.7%

Spread

-0.305%Below

Fees

$701Fees

Refinance

Overall

Exceptional

Product

Exceptional

Pricing

Exceptional

Pull Through

Exceptional

Volume501

Mix43.3%

Spread

-0.398%Below

Fees

$410Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,156

Applications

1,414

Volume

$244 million

Pricing & Closing

Avg Rate Spread

-0.336%

vs. market APOR

Avg Net Fees

$604

Origination − Credits

Pullthrough Rate

81.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$211,401

Avg Borrower Income

$117,857

Avg Property Value

$335,502

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 1,0001,000+None

Midwest3

ILMNWI

Top Metro Areas by Place Specialization Score

Appleton, WIMetro

Volume 471Mix 40.74% of portfolio

100/100

Exceptional

Oshkosh, WIMetro

Volume 283Mix 24.48% of portfolio

100/100

Exceptional

Green Bay, WIMetro

Volume 131Mix 11.33% of portfolio

86/100

Exceptional

Fond du Lac, WIMetro

Volume 16Mix 1.38% of portfolio

51/100

Sound

Top States by Place Specialization Score

WisconsinState

Volume 1,153Mix 99.74% of portfolio

93/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.