OSB Community Bank
OSB Community Bank received 133 applications in 2025 and made 100 mortgages, in 17 counties across 6 states. The median rate its borrowers got was Not published on a median loan of $150,000. Of 118 decisions, 10 were denials — 8.5%.
| Legal Entity Identifier | 5493002OMAT2S3H4OF48 |
|---|---|
| Applications received | 133 |
| Mortgages made | 100 |
| Denied | 10 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 15 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: OSB Community Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 85 | Not published | $165,000 | 3.1% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 0.0% |
Where OSB Community Bank lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| LaSalle County, IL | 56 | Not published | 10.3% |
| Will County, IL | 7 | Under 10 loans | 10.0% |
| Washington County, WI | 7 | Under 10 loans | 0.0% |
| Bureau County, IL | 6 | Under 10 loans | 14.3% |
| DuPage County, IL | 5 | Under 10 loans | 0.0% |
| Grundy County, IL | 5 | Under 10 loans | 16.7% |
| Putnam County, IL | 3 | Under 10 loans | 0.0% |
| Kendall County, IL | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Fulton County, IL | 1 | Under 10 loans | 0.0% |
| Iroquois County, IL | 1 | Under 10 loans | 0.0% |
| Marshall County, IL | 1 | Under 10 loans | 0.0% |
| Whiteside County, IL | 1 | Under 10 loans | 0.0% |
| Carson City, NV | 1 | Under 10 loans | 0.0% |
| Blount County, TN | 1 | Under 10 loans | 0.0% |
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When OSB 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.