One Community Bank mortgage approval rate & lending review
One Community Bank decided 491 mortgage applications and funded 438 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions One Community Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
One Community Bank at a glance
Approval is 10.9 points above the 81.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 158 / 167 | 94% | $345K | 149 |
| Home improvement loans | 90% | 35 / 39 | 97% | $55K | 34 |
| Cash-out refinance | 87% | 26 / 30 | 100% | $135K | 26 |
| Refinance | 88% | 51 / 58 | 96% | $135K | 49 |
| Investment property purchase | 94% | 135 / 144 | 99% | $335K | 134 |
| Investment cash-out refinance | 86% | 25 / 29 | 96% | $255K | 24 |
One Community Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Wisconsin | 92% | $335K | 477 | 425 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where One Community Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Dane County, WI | Mortgage lenders | 96% | 134 | 121 |
| Dane County, WI | Investment property purchase | 94% | 98 | 92 |
| Dane County, WI | Refinance | 86% | 51 | 42 |
| Dane County, WI | Home improvement loans | 91% | 32 | 29 |
| Dane County, WI | Cash-out refinance | 87% | 23 | 20 |
| Dane County, WI | Investment cash-out refinance | 83% | 24 | 19 |
The county markets where One Community Bank made the most loans. Each link opens that market with every lender ranked.
Questions about One Community Bank
What is One Community Bank's mortgage approval rate?
One Community Bank approved 92.3% of the 491 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.9 points above the 81.3% national rate for the same mix of loan types.
How often do borrowers take the loan One Community Bank offers?
Borrowers accepted 97% of the loans One Community Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does One Community Bank make?
The typical home purchase mortgage loan One Community Bank made was $345K; across all loan types its typical loan ran from $55K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does One Community Bank lend?
One Community Bank decided applications in 5 of the states Fat Boy Data covers, most of them in Wisconsin, Illinois and Arizona.
Can I apply to One Community Bank directly?
Yes. One Community Bank is a bank or credit union with 20 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show One Community Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how One Community Bank treats applications, then get a rate quote from the lender.