OSB Community Bank mortgage approval rate & lending review
OSB Community Bank decided 261 mortgage applications and funded 230 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions OSB Community Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
OSB Community Bank at a glance
Approval is 9.7 points above the 84.5% 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 | 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 |
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 OSB Community Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| LaSalle County, IL | Mortgage lenders | 98% | 148 | 135 |
| LaSalle County, IL | Cash-out refinance | 78% | 27 | 21 |
The county markets where OSB Community Bank made the most loans. Each link opens that market with every lender ranked.
Questions about OSB Community Bank
What is OSB Community Bank's mortgage approval rate?
OSB Community Bank approved 94.3% of the 261 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.7 points above the 84.5% national rate for the same mix of loan types.
How often do borrowers take the loan OSB Community Bank offers?
Borrowers accepted 93% of the loans OSB 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 OSB Community Bank make?
The typical home purchase mortgage loan OSB Community Bank made was $165K; across all loan types its typical loan ran from $105K to $165K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does OSB Community Bank lend?
OSB Community Bank decided applications in 7 of the states Fat Boy Data covers, most of them in Illinois, Wisconsin and Florida.
Can I apply to OSB Community Bank directly?
Yes. OSB Community Bank is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show OSB 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 OSB Community Bank treats applications, then get a rate quote from the lender.