Lender profile · HMDA 2023–2025
OSB Community Bank mortgage approval rates & lending data
OSB Community Bank decided 261 mortgage applications and funded 230 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 166 / 169 | 94% | $165K | 156 |
| Cash-out refinance | 75% | 21 / 28 | 100% | $105K | 21 |
| Investment property purchase | 98% | 45 / 46 | 89% | $105K | 40 |
OSB Community Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 94% | $165K | 246 | 215 |
| Wisconsin | 100% | $55K | 9 | 9 |
| Florida | 100% | $105K | 2 | 2 |
| Alabama | 100% | $415K | 1 | 1 |
| Indiana | 100% | $105K | 1 | 1 |
| Iowa | 100% | $415K | 1 | 1 |
| Nevada | 100% | $145K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.