One Community Bank
One Community Bank received 561 applications in 2025 and made 461 mortgages, in 46 counties across 6 states. The median rate its borrowers got was 7.250% on a median loan of $205,000. Of 507 decisions, 36 were denials — 7.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300CS1XP28EERR469 |
|---|---|
| Applications received | 561 |
| Mortgages made | 461 |
| Denied | 36 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 54 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2445 points |
| FDIC-insured bank | Yes: One Community Bank, 20 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 224 | 6.875% | $315,000 | 3.4% |
| Refinancing | 77 | 7.500% | $145,000 | 4.9% |
| Cash-out refinancing | 44 | 7.015% | $240,000 | 10.0% |
| Other purposes | 116 | 7.500% | $75,000 | 13.8% |
Where One Community Bank lends most
The 46 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 | 218 | 7.250% | 7.2% |
| Marathon County, WI | 41 | 6.750% | 6.4% |
| Vernon County, WI | 30 | 7.500% | 0.0% |
| Adams County, WI | 28 | 7.500% | 25.6% |
| Rock County, WI | 21 | 7.250% | 8.7% |
| Green County, WI | 19 | 7.250% | 0.0% |
| Sauk County, WI | 16 | 7.400% | 0.0% |
| Juneau County, WI | 11 | 6.750% | 0.0% |
| Jefferson County, WI | 9 | Under 10 loans | 9.1% |
| Monroe County, WI | 8 | Under 10 loans | 0.0% |
| Oneida County, WI | 6 | Under 10 loans | 0.0% |
| Crawford County, WI | 5 | Under 10 loans | 0.0% |
| Winnebago County, IL | 4 | Under 10 loans | 0.0% |
| Columbia County, WI | 4 | Under 10 loans | 20.0% |
| Marquette County, WI | 4 | Under 10 loans | 20.0% |
| Wood County, WI | 4 | Under 10 loans | 0.0% |
| Iowa County, WI | 3 | Under 10 loans | 0.0% |
| Lincoln County, WI | 3 | Under 10 loans | 20.0% |
| Richland County, WI | 3 | Under 10 loans | 0.0% |
| Waukesha County, WI | 3 | Under 10 loans | 0.0% |
| Green Lake County, WI | 2 | Under 10 loans | 0.0% |
| Outagamie County, WI | 2 | Under 10 loans | 0.0% |
| Portage County, WI | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Champaign County, IL | 1 | Under 10 loans | 0.0% |
| Wasatch County, UT | 1 | Under 10 loans | 0.0% |
| Brown County, WI | 1 | Under 10 loans | 0.0% |
| Dodge County, WI | 1 | Under 10 loans | 0.0% |
| Eau Claire County, WI | 1 | Under 10 loans | 0.0% |
| Fond du Lac County, WI | 1 | Under 10 loans | 0.0% |
| Grant County, WI | 1 | Under 10 loans | 0.0% |
| Kenosha County, WI | 1 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 1 | Under 10 loans | 0.0% |
| Rusk County, WI | 1 | Under 10 loans | 0.0% |
| Vilas County, WI | 1 | Under 10 loans | 0.0% |
| Washington County, WI | 1 | Under 10 loans | 0.0% |
| Waupaca County, WI | 1 | Under 10 loans | 0.0% |
| Winnebago County, WI | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 0 | Under 10 loans | Not published |
| Stearns County, MN | 0 | Under 10 loans | Not published |
| Ashland County, WI | 0 | Under 10 loans | Not published |
| Clark County, WI | 0 | Under 10 loans | 0.0% |
| Door County, WI | 0 | Under 10 loans | Not published |
| Iron County, WI | 0 | Under 10 loans | Not published |
| Sheboygan County, WI | 0 | Under 10 loans | Not published |
| Walworth County, WI | 0 | Under 10 loans | Not published |
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When One Community 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.