Oak Bank
Oak Bank received 59 applications in 2025 and made 51 mortgages, in 15 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $335,000. Of 54 decisions, 1 were denials — 1.8%.
| Legal Entity Identifier | 549300UXZ76FJVM3UC43 |
|---|---|
| Applications received | 59 |
| Mortgages made | 51 |
| Denied | 1 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Oak Bank, 1 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 35 | Not published | $355,000 | 2.8% |
| Refinancing | 10 | Not published | $365,000 | 0.0% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 0.0% |
Where Oak Bank lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Dane County, WI | 35 | Not published | 0.0% |
| Sauk County, WI | 3 | Under 10 loans | 0.0% |
| Rock County, WI | 2 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Brown County, WI | 1 | Under 10 loans | 0.0% |
| Columbia County, WI | 1 | Under 10 loans | 0.0% |
| Grant County, WI | 1 | Under 10 loans | 0.0% |
| Iowa County, WI | 1 | Under 10 loans | 0.0% |
| Jefferson County, WI | 1 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 1 | Under 10 loans | 50.0% |
| Vilas County, WI | 1 | Under 10 loans | 0.0% |
| Waukesha County, WI | 1 | Under 10 loans | 0.0% |
| Waushara County, WI | 1 | Under 10 loans | 0.0% |
| Green County, WI | 0 | Under 10 loans | 0.0% |
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When Oak Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.